Should insurance companies also drop low income Americans with diets that trivially lead to heart disease? Shouldn't we, as a society, take care of those who don't know better?
Just record license plates at all fast food restaurants, probably most restaurants, really, average meal runs over 3/4ths of what an average adult male needs to maintain weight.
Liquor stores and bars, too. Ethanol is at least as bad for your body as straight sucrose/fructose.
Log time spent on Facebook, steam, Reddit, etc. Statistically inactivities.
Hell, we could probably reject 75% of Americans in the first three months without any sort of death panels being necessary, just let Google, Target, and walmart machine learn AI the rejection criteria and alert the insurers.
https://www.healthcare.gov/how-plans-set-your-premiums/