Thing is, people who smoke tend to die younger, and quicker. So if you want your premiums to drop, encourage it!
True.
Contrary to the popularly held myth, smokers actually cost the public less in health care than non-smokers do.
Plus, since we tend to die 7 years earlier than non-smokers, we also save the public a LOT of social security dough.
Smoke 'em if you love America, folks.