"...force hospitals to treat illegals and other deadbeats that don't pay anything"
Sure. Agreed. Solutions for this urgent problem have been proposed but many states cannot even begin to tackle the problems...at least not yet. There is no political will to cut off funding to hospitals who care for emergency treatment for illegals or undocumented types.
That said, there is no doubt that everyone's insurance premium goes up because of smokers' health problems. You cannot hide this fact by injecting another issue into the discussion of rising health premiums.