What costs more for health insurers? A cigarette smoker that dies between 40-70 with what treatments for diabetes, bloodpressure, asthma, copd, and a heart att

What costs more for health insurers? A cigarette smoker that dies between 40-70 with what treatments for diabetes, bloodpressure, asthma, copd, and a heart attack before cigarettes kill them young? A non smoker that lives to 105 but needs two hip replacements, cancer treatments, and assisted living between 60-80, then round the clock care for the next 25 years?