I think it is fine. Most individual health insurance and life insurance (excluding low coverages) are individually medically underwritten anyway. Group insurance isn't, and never will be because the whole point is for the entire group to be underwritten.
There are problems with assuming obese people will cost more medically. Consider smokers, who were long assumed to be a drain on public health care spending. Turns out, they actually cost less because they die younger. The same may be true for obesity.
I have absolutely no problem with any employer determining eligibility for or cost to employer of health insurance based on lifestyle factors. I would prefer that the employer offer to pay for smoking cessation or gym memberships and other weight loss support in conjunction with penalties, but at the end of the day I simply don't care to have a say about how employers handle these issues.
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