No, I'm not saying it's GOING in that direction, I am saying that smokers and obese individuals have paid more in insurance costs, already.
From 2006:
Higher Insurance Rates
If you are/were not a smoker, you may not even have noticed, but all the questionaires you fill out when you purchase insurance ask if you smoke, or have smoked, in X# years. And then, how much you smoke. And drink, and BMI, etc. If you check yes to these, your rates are higher than if you say no. It has been this way for years.
(I get to answer NO to all of them, finally!)