> So I don't weigh 600 pounds and smoke. But I have to pay higher health insurance premiums than I rightfully should. Why don't they get consequences? Moral ha

> So I don't weigh 600 pounds and smoke. But I have to pay higher health insurance premiums than I rightfully should. Why don't they get consequences? Moral hazard and consequences are exactly why smoking is one of the few things which are allowed to affect premiums under ACA.