They aren't refused a policy.
insurance companies are private businesses, if they don't want to insure someone, that's their business.
smokers and obese people aren't usually denied policies, but they are charged up to 50% more, even through obamacare.
the big difference is that there aren't pandemics of smoking and obesity that clog up hospitals so badly that non smokers and people who maintain a healthy weight can't get treatment, but there IS a pandemic that can and does clog up emergency rooms and hospital beds so that people with unrelated conditions, and people who take precautions and are infected by the unvaccinated anyway, cannot get treatment and are left out in the cold to die while lazy thoughtless cowards take up beds they don't deserve