From personal (Jewish) perspective, it would be an equal aveira to indulge in any other unhealthy behavios and then expect society to pay for your costs. Specifically, to your claims:
ACA allows for insurance companies to charge smokers up to 50% more
Starting in November, Delta Airlines will charge unvaccinated employees an extra $200 a month for the company health plan, citing the high cost of COVID hospitalizations…self-insured companies can more easily increase premiums for unvaccinated employees.
Also, I think currently, ort recently, full costs were covered. Copays can be high:
Still, patients won’t be responsible for the full cost of treatment, which can reach up to $50,000 for a severe case. Fully insured patients hospitalized with pneumonia — which involves similar treatment as for people with COVID-19 — typically end up owing around $1,300, for example.