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Covid vaccination has such a minor effect compared to other patient choices that you would never bother surveying for it unless you are doing so for political partisan reasons. Covid just isn't dangerous enough for that to matter.
To provide an example, heavy smoking (which is a lower threshold than you'd expect) costs the average heavy smoker about 10 QALY, so any amount you charge for being unvaccinated, you'd have to charge heavy smokers ~500 times more. Already this stretches the bounds of feasibility. Any cost high enough to cover the cost of repeatedly vaccinating yourself for covid (Yep, that's a thing still, are you up to date according to local recommendations?) will be greater than the additional insurance cost, unless the premium increases by so much that you bankrupt all smokers. Not to mention the "gay tax" you'll have to charge for HIV risk, which for sexually active gay men is also a much higher risk than covid.
Edit: For the sake of providing real-world numbers, with the caveat that the UK doesn't operate on an insurance model, official recommendations are 1 booster shot every 6 months for £100 each when offered privately. Therefore if you increase insurance premiums on the unvaccinated, they will need to be at least £200/y more to be more expensive than simply being unvaccinated. Therefore you'd want to look at charging heavy smokers an extra £100,000 a year, which is multiple times the average annual income in the UK.
I'm afraid no matter what you try to do to construct a rational basis for punishing covid vaccine dissidents, it will succumb to the simple fact that covid isn't dangerous enough to justify it, unless you are also willing to simultaneously hit other groups with orders of magnitude more severe punishments.
Unrelated note - it might be fun at some point for us to do an adversarial collaboration on covid vaccines, because I hold the position that the mRNA vaccines (the speed of development and production scaling) were actually a bright spot in the covid pandemic and gave us some tools which we should be investing a bunch more into. Pretty much everything the public health policy makers did during covid in the US was stupid but the vaccines themselves are a medical miracle.
This wouldn't be particularly adversarial. The vaccines are kind of mediocre but fine. A bright spot in the covid pandemic is like the least stinky shit in a sewer. My disagreements are all with how states used vaccines to engage in yet more flagrant violations of human rights and violate medical ethics. I think we shouldn't invest into these tools, not as an isolated principle against mrna or viral vector treatments, but because of the risk the current institutions would use that investment just as they did in 2020-2022 for ill.
If the vaccines were released outside the context of lockdowns and other restrictions I would have nothing to say on them and there would have been no substantial opposition to them.
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The joke was "covid vaccination status fades into noise by the annual renewable term life insurance premium metric". It's similar in spirit to proposing that we keep plastic straws, but charge consumers a carbon tax for the carbon that goes into its production (i.e. proposing to keep plastic straws but tax them at $0.0002 each), except my proposal is also "let's spend lots of time getting price quotes on term life insurance for people in medical triage, trying to address equity concerns in a triage situation is definitely a good use of resources so we should make sure to do it right".
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