Obvious solution is for government to get out of the health care business, and for insurance companies to set premiums for classes that give their insureds the choice to either pay more and maintain their habits; or to change their habits, and be rewarded with a lower premium; or drop insurance altogether, and not bitch when they can't afford (and are thus refused) treatment.
Government was not instituted to social engineer, last time I read our Founding Documents.
>>our Founding Documents
There ya go again. Three hundred year old documents written by dead white men have exactly what relevance now in terms of public health? /SARCASM!!!!!