I have had COVID and been vaccinated. I'm protected. And importantly, the information shows that the vaccinated can catch and spread this just like the unvaccinated, so their status doesn't make them any more or less likely to be spreaders.
Accordingly, I don't make social decisions based on that. If people want to allow health insurance companies to crank up premiums on those not vaccinated, have at it. But for companies to require it is wrong.