Its called a health screening and they charge you a 25% higher premium if you don't do it because they assume you use tobacco products. I'm willing to jump through a few easy hoops if it means I get raped 25% less than stupidbird. Its not a jab at least.
I'm not sure what you're on about, but this insurer doesn't offer any kind of premium discount for anything - I don't think they even pay for the "are you going to kill yourself, here take all these pills because pills" screening that most doctors do these days. It's $1900 a year premium, $5k deductible, and $1k coinsurance. Everyone pays the same. What I'm referring to is more of a credit card cash back program - the more you spend and the more shots you get, the more they "give you back" at the end of the year.
But you're getting raped ∞ more than I am because I don't have medical insurance. My outlay this year for medical was $50 when I had to use a tele-health service for a sinus infection - that's everything, visit, amox, and out the door. That would have been well over $150 with insurance because the company's plan doesn't discount anything.