people who smoke should pay more for health insurance If the risk is priced properly, it shouldn't be that scary for other big life choices to be priced in. He

people who smoke should pay more for health insurance If the risk is priced properly, it shouldn't be that scary for other big life choices to be priced in. Health insurance for smokers is a lot more expensive, yes, but that isn't just a whim. Tobacco use costs us a lot as a nation[1] and most citizens are not thrilled to subsidize other people's choice to smoke, especially given everyone (smokers included) knows it is very bad for you. We are OK with people who have big houses and speeding tickets, being required to pay more for home & auto insurance. Both are choices- like smoking. Insurance is about risk pooling; grouping people in pools of equal risk is the core idea of insurance. In fact when you group people at high risk in with people at low risk, that becomes a subsidy. [1]: http://www.cancer.org/research/infographicgallery/tobacco-related-healthcare-costs http://www.cancer.org/research/infographicgallery/tobacco-re...