No judgement needed, just a numbers game. They already do this for smokers. Even at a company level the premiums can be tied the costs via the health of the workers so an overall healthier staff means lower costs to insure.
When you start treating people differently for health categories they fall into, you're crossing the line between equal treatment and scapegoating.
I'm not referring to the guy who never goes to the hospital and the one getting a heart transplant. I'm talking about the gouging of one class of people simply based on a disease they don't have, which they may never get, and if they do get it, have a low chance of dying from.
The extra premium idea here is to offset not the risk to the insured, but to offset the perceived risk to others they might infect. Please name another disease that insurance companies tack on additional premiums for that affect people other than the insured.
That mentality is no different than requiring firearm insurance that's supposedly in place to pay for the medical costs of people gun owners may shoot -- intentionally or not. As I discussed elsewhere, that's not a realistic understanding of how insurance works. No insurance company is going to pay out if I intentionally shoot an attacker.