It would be better to set the rate based on a high risk class, and offer discounts for (subscriber controllable) risk reducing behaviors, like smoking cessation, weight optimization (anorexics are far riskier than overweight individuals), and body mass index optimization (circulatory system risk reduction).
That would turn a “stick” into a “carrot”. Those who feel excessively ‘managed’ by such a program should opt out of the group insurance and either “go bare” or buy a large deductible personal policy to cover catastrophic risk. Those who are otherwise un-insurable can make preparations for their (probable) early departure from this life. Or they can vote for politicians who will impose “universal health care” and then ration care with waiting lines, which will ultimately produce the same results for those who are uninsurable risks: early death.
“So teach us to number our days, that we might gain a heart of wisdom.” Psalm 90:12
It would be better if, everyone minded their own business. Across the board, it would be a full time job. Blackbird.