Also if insurers want to raise rates due to such things as long hauler chronic illnesses, then let those rate increases fall on those who don't want to take individual responsibility for their own health. No need for those vaccinated to pay for the costs of the irresponsible anti-VAX crowd. Just like the insurance for helmet laws in most states now. Pay more to ride with less.
It sounds perfectly proper to me. Insurer says: No vax, pay tax!
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