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That's not a completely correct analysis, as the insurance premiums are a recurring payment. So it would have to increase the present value of the stream of recurring payments by more than ten cents.

Discounted to the present value.

If habitual eating is more predictive than occasional binging, the model won't be linear. There may even be some threshold that simply makes you uninsurable in the distant future.

But this may turn out to be a bad example, if medicine continues finding that heart attack risk is mostly linked to cholesterol you produce yourself (this is apparently hereditary), and not much affected by cholesterol you eat.

I suspect that if you eat enough burgers that a 2% cash back is significant - it's not just your insurance company that should be worried!

2% on any one item is of course not all that significant, but like any other salami-slicing deal you have to make a habit of taking advantage of it wherever possible.