I understand this line of thinking, but think it's flawed. You have to be okay with everyone else suffering instead (due to increases in their own healthcare costs to cover for those who use the healthcare system more) and you aren't able to use cost to influence better healthcare choices.
There has to be a way to hold people accountable to the actual consequences of their own health choices while also being sensitive to those who are sick through no obvious fault of their own.
With Covid it's different because while I may die from too much sugar that will not kill anybody else. Whereas if I don't get vaccinated I'm putting other people at risk, I'm putting the whole society at risk, of spreading Covid and allowing Covid to mutate to new ever more dangerous variants. If Irefuse to take the Covid vaccination I am "aiding the enemy". Covid is the enemy.
But alcohol maybe yes. Drinking and driving puts other people's lives at risk too. If you are convicted of drinking while driving I think your premiums should go up, I assume they do.