There an are a few reasons. First, the cost of being overweight may take a long time to appear, going decades without any problems is realistic. By the time tha

There an are a few reasons. First, the cost of being overweight may take a long time to appear, going decades without any problems is realistic. By the time that happens there may be a different insurer on the hook(Medicare?). The second reason as you alluded to is that end of life care is extremely expensive for everyone in this country, and a shorter life span may actually save the insurer money even if there’s a massive bill for heart surgery.