Comrade xjnyc, the single most destructive practice, when measured by reduced life expectancy, that is common in this culture in homosexual sodomy. It reduces life expectancy something like 5 or 10 times as many years as smoking. Nothing else -- booze, drugs, obesity -- comes close.
So by your logic, if we raise the cost of insurance for smoking, we should IMMENSELY raise the cost of health insurance for anyone who indulges in sodomy. Boy, I bet the gays will jump for joy when they hear that!