If we go that way, IMO smokers should pay higher health insurance contributions.

When I was playing full contact, injury rich sport, our club paid an additional insurance covering sport injuries for every game day - because general insurance can be stringent in such cases.

So, risky behavior = higher cost of insurance.

For context, I pay about 16% of my income towards health insurance. When I was between jobs, government paid most of it. I'm also a smoker, clearly realizing that this is a morbid self destructive habit.