Smoking is Optional. Those other things you mentioned, family histories of diseases, are involuntary. Now things like being overweight and not getting exercise, those are also voluntary. If statistics show that peoples behavioral choices lead to increased health cost, I think its perfectly fine that insurance companies charge them more.
I was just talking to my neighbor, he is on disability, has had lung cancer, and now has COPD. And he was chain-smoking As I was talking to him. Now taxpayers are forced to pay for his medical, and hes not doing a thing to make it any cheaper. In fact, his choices have led to taxpayers having to pay a fortune for his care, As well as his disability payments. There should be some kind of repercussions, but he just gets a bunch of free handouts because of his own choices.
Your first para got me thinking that there was a cost punchline coming. It did . From the cost stand point it doesn’t make any difference does it whether a disease is your fault, my fault r nobody’s fault. The truth of the matter is it’s people trying to control other people and frank hatred of smokers isn’t it.