I am a non smoker, but I do not think it is fair that the smoker pays higher premiums while there are plenty of other persons who engage in 'high risk' activities that do not pay higher premiums.

1) The bar slut who sleeps with 5 different men a week and needs STD treatment.

2) The drunk who ruins their liver with alcohol.

3) The guy who rides a motor cycle without a helmet and ends up in a coma with a brain injury.

4) The fat ass who gorps down a daily dozen doughnuts.