Health insurers want to increase, or at least maintain, their profits. They won't deny claims because they want a better society, they want to minimize their fi

Health insurers want to increase, or at least maintain, their profits. They won't deny claims because they want a better society, they want to minimize their financial risk. So yes, one would expect to be in their commercial interest to deny cancer claims to people who willingly put themselves at excessive risk of cancer at some point in the future. It's the infinite wisdom of the free market!