ujm > And people who over-eat should, per your argument, be charged higher insurance
We do. I do when I pay insurance for my companies with rates reflecting prior year expenses by the employees. A number of big companies self-insure and provide positive incentives for employees to go the gym ($800/year on average). ACA allows charging smokers 50% more (the only one surcharge allowed). Life insurance is less regulated and charges smokers 3 times more, obesity 150% more, Delta (airline, not variant) started charging $200 more for insurance for covid unvaxers.
Is this wrong somehow? In halakha, if you can assign cost to specific people, then only those people pay tax. If a wall protects everyone, then everyone pays.