If an adult does things that harm himself and not others he should also forfeit free healthcare. Tax payers shouldn’t pay for the personal bad choices of others.
Since we don't and insurance companies seem pretty decent at modeling risk, this would be included in the model.
Look at how people who smoke are financially penalized by health insurance.
The same is not true for alcohol consumers.
I guess casual drinkers (and more than casual drinkers) are a pretty big lobby group though.