I agree, with one addition - any health problems people have solely because of their excess weight should NOT be covered by any health insurance.
People are free to be fat, but should NOT then expect others to help pay for their issues.
I feel exactly the same about smoking, alcohol, et al. If the health problem is self-induced by choices, it should NOT become anyone's responsibility other than the person who made those choices. That's a "win" for those who want to make bad choices, and a "win" for those who don't want to be responsible for other's bad choices.