In the United States, health insurance companies couldn't raise your rates for the situation you describe -- the ACA mandates community rating with exceptions o

In the United States, health insurance companies couldn't raise your rates for the situation you describe -- the ACA mandates community rating with exceptions only for tobacco use and age. It would be straightforward to demonstrate that your rates had been increased compared with others in a similar bracket within your area. This would have significant legal repercussions for the insurer that they would be incentivized to avoid.