Your assumption is wrong. Any medical insurance plan regulated under the Affordable Care Act (Obamacare) is not legally allowed to deny coverage or raise premiums based on vaccination status.

According to the CDC, obesity is a significant risk factor for COVID-19.

https://www.healthcare.gov/how-plans-set-your-premiums/

https://www.cdc.gov/mmwr/volumes/70/wr/mm7010e4.htm

Following up, it appears that insurers can use vaccination status in pricing healthcare costs shouldered by the insured. Several insurers have already begun to do this (Aetna and UnitedHealthcare). Coverage isn’t denied, nor are premiums raised, but it’s done through no longer waiving copayments from COVID treatment costs.

https://khn.org/news/article/analysis-dont-want-a-vaccine-be...

https://khn.org/news/article/time-to-say-goodbye-to-some-ins...

It does, however, apparently allow for employers to charge employees more for insurance under a “wellness” scheme. This is how Delta is charging unvaccinated employees $200/month.

Edit- I am also familiar with wellness incentives/charges around smoking, obesity, and exercise.

Wow, that’s disappointing, but not surprising for American healthcare (don’t cover everyone, but no personal responsibility expectations from those who are covered). We’ll just have to let the fire burn through the forest I suppose and eat the costs from these people until travel and employment vaccination mandates kick in.

Obesity costs the US healthcare system 147 billion per year. We need Health Passports right now if cost is an issue. 5.7 over 3 months is nothing compared to the cost of obesity.