Your example already occurs, so I don't know why you're conveniently ignoring that fact.

Instead, healthcare companies charge more if you're at risk. They're implementing solutions to discourage bad behaviors. Worse, this is all packaged up in various apps designed to take your data and sell them to others to make even more money off of every single person they rip off.

Don't even get me started on how the insurance industry abused pre-existing conditions as a catch-all term for denying coverage for things that weren't even a result of life style choices. So how is this different from the horror scenario you bring up?