Sucks for her but no one told her smoking was good and that smoking wouldn't cause cancer. She chose to ignore the warnings - and thus already accpted the price.
Now, pre-existing shouldn't be EXCESSIVE in amount - the idea isn't to DETER them from getting insurance at all. It's to merely make them a little more responsible for what they've decided to do to theirself since they're taking *out* immediately rather than putting *in* to the insurance pool.
But that always gets into tricky-situations. *how* do you determing it's becaues of a bad habit or lack of personal oversight? I'm sure that it's natural for someone to engage in a bad habit - and suffer a consequence that isn't related to it.
Where would one draw the line?
But this is also why I don't support insurance being *tied* to your job - If someone gets insurance they should be able to keep it even if they're laid off - maybe be given a grace period so they can switch over within an allotted amount of time.
Afterall- she, employed all those years (if she had insurance) paid INTO it that whole time - she should be able to still keep it and use it and maybe transfer those benefits over somehow.
That's the part about insurance that I *don't* like - the fact that *you could* pay into it endlessly, use it only very little, and then still lose it when you change employment. . . thus -all that 'investment' (using the word out of context) should still net you a benefit.