Doesn't sound like a such bad idea to me. I've had to pay for my own health insurance for the past 3 years, but when I was working, the smokers took many more sick days and certainly had more health problems- the 2 seriously obese folks had gout and hypertension.

I'm a healthy, non-smoker, non-drinker with occasional migraines. Don't take any daily meds, do take supplements. I was turned down by one company, accepted by another without coverage for migraines, and got insured with Aetna, which has increased my premium by 20% each year. It's such a disgusting racket, but I'm afraid to be without insurance.