Well, to bolster Gibberish's argument, this does occur right now.
Smokers paying extra for health insurance - Addictions- msnbc.com
And that was in 2006.A growing number of private and public employers are requiring employees who use tobacco to pay higher premiums, hoping that will motivate more of them to stop smoking and lower health care costs for the companies and their workers.
Meijer Inc., Gannett Co., American Financial Group Inc., PepsiCo Inc. and Northwest Airlines are among the companies already charging or planning to charge smokers higher premiums. The amounts range from about $20 to $50 a month.
I have no problem with this. Personal responsibility. Interesting how several self proclaimed Conservatives have a problem with personal responsibility.