>I would prefer health insurance *not* to cover anything possible without regard to the lifestyle the person follows.

A "healthy" lifestyle often exists in the eye of the beholder.
When I was in the service non-smokers were a small minority. I can't walk up a flight of stairs without puffing because I followed the majority back then.
If the vaccine works the way I think it does, the person who contracts the virus can't hurt me, so I don't see why we should worry about that.