For a basal cell carcinoma example, healthcare costs depend on the type of lesion, amongst other factors such as arsenic ingestion which is environmental. The risk seems to be accumulative ultraviolet radiation in childhood (an Italian study), not adulthood. A study in the Netherlands showed that the incidence of bcc in transplant patients was 10 times higher than in the general population.
Basal Cell Carcinoma
doi:
https://doi.org/10.1136/bmi.327.7418.794
'....The overall age and sex standardised annual incidence in Minnesota, USA, was reported at 1246 per 100,000. In Australia, the incidence is much higher at 726 per 100,000. In white populations in North America, the incidence has increased at more than 10% a year, leading to a lifetime risk of 30% of developing basal cell carcinoma. With an ever-increasing elderly population, the disease is likely to become more of a problem in the future. Indeed, the prevalence of this cancer will probably be greater than that of all other cancers combined.
....
Skin type 1 (always burns, never tans), red or blonde hair, and blue or green eyes have been shown to be risk factors, with an estimated odds ratio of 1.6. Recreational sun exposure in childhood seems to be an important risk factor, an Italian study calculated an almost five-fold increase in risk for an average summer holiday exposure of more than eight weeks throughout childhood (before the age of 20 years).. Outdoor occupation after the age of 20 years was not associated with an increased risk of bcc. This suggests that childhood and adolescence may be critical periods for establishing adult risk for bcc and may explain why studies have failed to find a large impact of increased cumulative sun exposure in adulthood on the risk of bcc.
....
A recent study looking at the use of sunbeds by young women with bcc has shown a non-significant (P= 0.351) increase in the average number of lifetime tanning bed exposures compared with the control population.
....
The most important clinical subtype is the morphoeic basal cell carcinoma. These have a more aggressive natural history and ill-defined borders, making complete excision under direct vision difficult. These types of basal cell carcinoma can be difficult to diagnose clinically and often present late. Some of these tumours can be huge and devastating to the patient, needing lengthy plastic surgical reconstructions and causing much cosmetic disfigurement. They account for approximately 5% of all basal cell carcinomas.
The risk of developing a squamous cell carcinoma is increased slightly after a basal cell carcinoma, with a 6% risk at three years. Patients are at increased risk of developing malignant melanomas -- an American study showed a multivariate risk of 2.2, a Danish study found a standardised incidence ratio of 2.64, and a Swedish study showed a six-fold increase in men developing malignant melanomas after a diagnosis of basal cell carcinoma and a four-fold increase in women. This risk is presumably related to exposure of ultraviolet radiation.'