Have you purchased life insurance? You get a physical, and they take down your weight. The premium depends on whether you are overweight, smoke, have high-blood pressure, etc. That is fair, and I think the same should be done for health insurance, especially if it gets nationalized.
There is a difference between suffering from an ailment due to "bad luck" (including genetics) and purposely engaging in an unhealthy, destructive lifestyle.
Yes, I have life insurance.
And all types of insurance are gauged for the individual as far as I know. Even within company insurance, it is measured. The more you use it, the more you pay.