Its a chicken and egg problem as well, the way we regulate and manage health care and health insurance (at least in the US) allows for costs to pretty easily bleed out to the rest of society. That implies that we must then be collectivist in other policies, though that is counter to many of the original goals of our country and the question is whether we changed those goals or inadvertantly built a system that requires changing gials after the fact.
We have a similar problem with immigration laws. Our immigration laws today are completely counter to what they once were, and counter to what is still written on the Statue of Liberty. We have immigration laws now that are necessary because of the welfare programs we implemented, even if we wanted to live up to the older ideals we couldn't without abandoning those welfare programs entirely.
But isn't the point of non-socialized healthcare, like in the US, that you pay for care out of pocket? Or maybe via your insurance, which will probably increase your premium if you repeatedly engage in stupid actions that need expensive fixing?
There's a line to draw somewhere, but even the most ra-ra-individualist heavily depends on society, and has/should have obligations in turn.
If many people started doing stupid things though then yes it would raise premiums for all.
But I guess that might be the debate line of which you spoke.
There are many studies a quick google away that show a much more nuanced take ie [0] and [1]. But the strongest evidence is our most successful societies and civilizations have been intentionally drinking alcohol for ~10000 years [2]. If it was only detrimental then I'm pretty sure it would have worked its way out by now. I acknowledge there are negative issues.
[0]: https://www.webmd.com/diet/ss/slideshow-skinny-cocktails [1]: https://nutritionsource.hsph.harvard.edu/healthy-drinks/drin... [2]: https://en.wikipedia.org/wiki/History_of_alcoholic_beverages
Obviously there are downsides too, but booze is popular for very good reasons.
US insurers can only discriminate by age and smoking status.