> they don't charge overweight people more for their health insurance.
I don't think that's completely accurate. If health insurance were like car insurance sold on a individual basis and linked to age, accident history, it may very well be the case that certain risks would have different rates.
You have group insurance through work, etc., so the premium is like an average. Young healthy pay more and more susceptible pay less than an individual rate because of pooled risk.
That may have been the ACA gambit. Get everyone in pools. Young/healthy would have payed much less individually, or gone without, so they were coerced into paying for high risk persons as part of their premium.
So, how is the non-vaccinated surcharge drawn up so it's not a pre-existing condition? I would think that for risk pools the group rates should rise, too.