I don't know if insurance companies are going to do that. They will raise their rates. If they can figure out a way to charge those that are NOT vaccinated more they will, otherwise, they will just raise the rates on all of us. Furthermore, the medicare rates for parts B, C, and D will go up and medicaid costs that we pay for with our taxes will go up.
In the long run medicare will start to run out of money sooner(right now I think it will in 3 years) I guess the one bright finacial spot, if you can call it that, is that more people on Social Security will die due to the virus and stop collecting. So far the date that Social Security will run out of money is a year sooner since so many people stopped working so they stopped contributing. Perhaps with the end of the extra unemployment money people will return to work and the date Social Security will run out of money will be extended.