I most definitely get where you are coming from in your first paragraph and know that those factors play into our health insurance but what we are doing is calling out a particular group without any distinctions. Fingers are being pointed at the unvaccinated but truth is, nobody knows or (seemingly) cares to know how much of our unvaccinated population are landing in hospitals or the type of symptoms they even had. While treated as a "black or white" issue, it is anything but.
And while obesity isn't contagious, in the case of COVID, it can be seen a a key contributor to hospitalization(along with other underlying issues but a lot stems from obesity). So instead of just pointed at the unvaccinated, how about we put that energy towards a root cause (because we all know that this is the main driver used for "breakthrough" hospitalizations. Well this and age). So instead of putting that 20-25% premium on the unvaccinated, we put it on those with a BMI of 25%+. Two birds with one stone; those who were said to put a strain on hospitals before COVID and those who are accounting for the majority of COVID hospitalizations now.
I wish tone could be heard on message boards because I'm not for this at all but if this is the approach that we are going to take, let's go for a common denominator.