[Just another Joe]

Lower premiums do not necessarily cover the increased risk.

Don't you mean higher premiums?
As for increased risk, smokers tend to use less, insurance, medicare, SSI, etc, than do nonsmokers over the long term.
There is documented proof of this.
Smokers may tend to an increased risk over the short term but a decreased payout over the long term.

[Don'tMessWithTexas]

I am not trying to equate these behaviors in any way, but should government health care programs (Medicare, Medicaid, VA, etc.)pay for the health care costs associated with smoking, IV-drug use and homosexuality?

Should non-smokers, tee-totalers, and faithful monogamous heterosexuals have to pay higher premiums to cover the heath care costs of skmokers, drunks and homosexual prostitutes?