> Life insurance often already does this to some degree. Car insurance does this all the time based on the choices a person has made
This is probably different from person to person, based on their ideology or world-view. Because I don't think that we should be treated differently based on our choices. For me insurances are an act of solidarity - We all pay, and if someone needs money, they receive it. Of course that excludes fraud, but I think you know what I mean. But I respect your view, I understand why people would want premiums to be individual. It's just not my style.
> socioeconomic issues surrounding access & affordability to healthy foods
That's true, yes. Socioeconomic standings can however also influence other factors we have mentioned, though admittedly not so much as food. But one example I have in mind is drug use - Technically opiates and other hard drugs are very dangerous and harmful, and I think we're both aware how much socioeconomic factors influences consumption of such substances.
I have to agree with the other commenter, this sentence is very quotable: "The fact that people might argue over where to draw the line is never, by itself, justification for not drawing a line at all." Good insight, thanks. Will keep this in mind the next time I think about potential lines.