[1_Rain_Drop]

"If that’s what their habit costs, that’s how it should be priced—and they could always quit."

Fine.

Soda drinkers should quit drinking sodas.
Salt users should quit using salt.
Sugar users should quit using sugar.
Gun owners should get rid of their guns.

Don't think for a nano second that something you enjoy will be left out of the tax pool. It's a matter of time.

[tina07]

agree with what you wrote!

Smoker myself, evil me.

[9YearLurker]

If I understand correctly, the government is only putting an upper limit on how much more insurance companies can charge. I’d have the government out of it and let insurance companies charge whatever they want. If they want to charge more because the costs are so much more, then fine. If they don’t, because they want to attract the large smoker market, then that’s fine too.

But surely risk-based pricing is central to any genuine ‘insurance’ market.