It goes way further than that. How about people who have children (again a choice) as that also increases health expenses. Living in areas with more sun (let'

It goes way further than that. How about people who have children (again a choice) as that also increases health expenses. Living in areas with more sun (let's call that a choice too) means more likelihood of skin cancer. Those people using private cars rather than public transport are also more likely to be more severely hurt in more accidents. Someone engaging in "bad behaviour" like smoking may have higher health costs at the end of their life, but their lifetime total costs may be lower because their life ends quicker than healthy people having a longer end of life period. (And the smokers paid more tax, collected less social security etc.) Realistically all legal choices and activities have to be covered, or you would be arbitrarily victimising certain groups.