I don't like the idea, the entire point of insurance is to pool everyone together for cheaper rates. Thats what makes insurance work.
Turning against each other will make it more expensive for everyone. Cause it won't stop at weight, next they'll want your genes examined, or will have discounts for showing up to exercise classes etc. So long as its not you getting charged more you think its fine. Most people probably think they will be able to make every cutoff. I don't smoke and I can lose XYZ weight so screw everyone else who can't.
The cutoffs are arbitrary though. Who really knows how much weight is correlated to health. We know it is statistically, but does it matter if you are 160 vs 180? Would it go by BMI? BMI has always been flawed.
This is bad. I'm not fat and I don't smoke but I know bullshit when I see it.
Insurance companies are in business for profit, any kind of scheme like this isn't out of the goodness of their hearts to skinny non-smokers, its to make successive health related cut-offs they can justify making so that more and more people have to pay higher rates. Say the population is 50% "healthy" and 50% "unhealthy" by these guidelines. They will give the healthy group a $50 discount and charge the unhealthy group $75. You know it. Don't be dumb.