You're a greater risk.
Diabetics and bipolars are at greater risk for all sorts of crappy problems, there's no reason other people not sharing those elevated risks should have to pay more to cover those with the risks.
And your smoking is a personal choice, and there's no reason non-smokers should subsidize your habit.
You think maybe women should pay higher premiums to cover prostate problems?
Should men pay higher premiums for hysterectomy coverage?
Should a white person pay to cover sickle cell anemia coverage?
Should the average person pay extra because other people enjoy the hobby of rock climbing?
No, each person has his own unique profile, and that's what should be insured....by that person, if and only if he wants to pay for it.
That's what freedom is.