@Doughfoot: You need to think of this differently. At the risk of offending some, I would remind you that everyone is born with “free will”. No one is to “require” you to take any specific action, not even God. Humans have never really understood that concept but it is still true. You may try to educate and influence others actions -such as the new ads on cig packs – but it is still a personal choice. SO SHIFT thoughts here. The insurance industry is a FOR PROFIT business that employes millions of people. Those that engage in high risk activities are charged a higher premium and so are NOT a cost to the general public UNTIL you have government stepping in to “save” them from themselves. Government regulations DO cost you money. If a smoker is dying of cancer, why do you insist on trying to save him/her? Other than pain killers (yep I agree with O) they SHOULD reap what is sown. And no, being dead does NOT impose a burden on anyone. All associated costs are nullified by death. More of everything for everyone else, don’cha see. OR is it that you – one entity out of BILLIONS – seek to impose your will over others because you are so much smarter than the rest of us? That’s something even God doesn’t do. So the disclaimers: I don’t smoke now but did have a 2 pack a day habit for 10 years that I dropped at age 25. I love God but have NO use what-so-ever for religion. God operates on the KISS principle, something religions do not understand.