Exactly. Why shouldn't the guy who watches his diet, takes care of himself, respects his body, and refrains from taking unnecessary risks pay less for his health insurance than the guy who smokes like a chimney, drinks like a fish, is 50 pounds overweight, and bungee jumps on the weekends? Why should the guy who takes care of himself be forced to pay for the guy who doesn't for that matter?
On the other hand, nobody should be forced to go without health insurance because of a medical condition they had no control over, and assigned risk pools or other means to cover the high risk people should also be available, but at a higher cost.
If we would enact reasonable tort reform and then go back to actually using insurance instead of the fees for services that we now have, insurance premiums would be half what they are now without anybody having to do anything.
Instead the government seems to be ignoring all the provisions that would actually help and would actually work and are hell bent on forcing on the people what the people do not want.