If individuals refuse to get vaccinated, they are increasing the chances that if I get into a car accident I don't get care.
This is literally the definition of a negative externality, and it's very easy to internalize this externality: triage prioritization.
My intent is not to punish these individuals or to make this a moral issue / blame them. It is simply to recognize the cost their choices have on others and to make them bear the cost of their actions we opposed to it being thrust on others.