I agree that insurance should be extremely costly for smokers/drinkers who "bring things upon themselves".
I totaly disagree that more people would work if they knew insurance would not cover diabetes/heart disease. These are not "lifestyle" diseases. Just the same with CF, everyone is different and sometimes no matter how many treatments a person with CF can do or how compliant a person with CF is, they may have a more severe case than others. With diabetes and heart disease, sometimes diet and excercise cannot make things better, some have a more severe case than others.
I personally know someone, a singer, who is young and is diabetic, no matter how compliant they are, they still have a severe case.
What about all of the basketball players & runners who have died at 17 or 20 years of age from a heart attack, it's not from lack of diet and excercise.