If I smoke, I pay 20-30-40% more. If I am overweight I pay 20-30-40% more. If I my BMI is 15-20% and I exercise a documented five hours a week, my rates are 20-30-40% lower.
I am amazed to drop by the hospital and see the overweight person with an IV bag, out at the street corner in a hospital gown smoking a cigarette.
If I have a house at the beach the insurance is much higher than the same house in Raleigh. The penalties have to be severe with a risk of no insurance.