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.