You're thinking about spending incorrectly. You're thinking about per year healthcare spending which is higher for smokers. You should be thinking about lifet

You're thinking about spending incorrectly. You're thinking about per year healthcare spending which is higher for smokers. You should be thinking about lifetime spending which is lower for smokers. Smokers die in there's 60s from a heart attack or lung cancer. Healthy people die in their 80s after collecting Medicare and social security for 25 years having spent the last 10 years in memory care.