should smokers and drinkers pay more for health care?

I agree that raising health insurance rates for drinkers and smokers is a bad idea. If you raise rates for one -- say, smokers -- you're going to have to raise them for drinkers, too, and, as previously discussed, this could have a snowball effect. Also, raising rates for smokers and not for drinkers because "Well, a lot more people drink anyway" is a shitty reason.

Not all smokers are pack-a-day smokers. Obviously some just light up in social situations, or even just at parties, and never get addicted. However, to what point can you be called a "smoker"? Only if it's a habitual thing? Or if you light up once, that's your label? (In my opinion, that's like calling someone who lies once a "liar." There are certain connotations that need to be taken into consideration.)

Raising rates for all smokers would disadvantage those who aren't addicted. It would discriminate against Mr. Joe Social Smoker while Mr. Joe Eats-Too-Damn-Much-All-Day has no problems. You can't take some lifestyle choices into consideration and not others "just because." There are too many gray areas.

Jam it back in, in the dark.

That's not a bad idea, actually. And that means the amount extra they pay for it depends on how much they really do smoke and drink.

There's nowhere I can't reach.