Unfortunately the whole mess is set up by actuarial tables instead of a case by case/individual process. I smoke and the only med I’m on is for psoriasis. Other than that, my own health is good to excellent. Granted some smokers are in terrible health and end up costing more insurance wise. I was probably in a lot better health and in better shape than a lot of my co-workers were. But, due to the tables, I get to pay more. Same for life insurance. I declined to certifiy being smoke free so it costs me more for my life insurance. Oh well.
I understand your problem with actuarial tables. But when you know the rules of the game, you make your decisions. You choose to smoke, so it costs you more money. I hope smoking never catches up with you, but the odds are that it will. We know what it does to the body. Stay well, my FRiend.
I have made my choice with auto insurance. I stay within a few miles of the speed limit, do not drink and drive, and drive defensively.