Let's do the same with every other risky behaviour then. Smokers, drug addicts, overweight people, people doing lots of outdoor sport, people who don't wear the appropriate personal protection at work,...

I believe that is how car insurance works is it not? And yes there are different tiers of insurance for those who need to cover more things and those who cover fewer things. If the feedback mechanisms are completely detached from your premiums then you'd have no incentive to actually improve anything.

Unfortunately, the unvaccinated apparently are a bigger voting group / voting bloc than we expected, and have considerable political power.

From what I understand most of the insurance covering COVID regardless of deductibles was a voluntary thing, and some have started billing for unvaccinated hospitalizations (within the constraints of the plans of course).