Yes, yes, and yes.
If you have speeding tickets you will pay more for car insurance because you are more of a risk.
If you are a lard ass, smoker, or drinker you will pay more for health and life insurance because you are more of a risk.
If you are unvaccinated you should pay more for health and life insurance because you are more of a risk.
See how this works?
The funny thing is that insurance companies already do this, but you haven't taken issue with it until now because "freedom" or whatever. No one is forcing you to live a certain lifestyle, but don't expect people to accommodate you when you choose to live an ignorant one.