Ashful
Minister of Fire
Well, I can't get into the tax issue, without sending this thread to the can, but the insurance issue is simple. Select plans that refuse smokers. Free market, eh...The potential effects of smoking and non-use of seatbelts cost all of us bazillions of dollars every year. You may think it should be your choice to use or not, but I don't have a choice where my insurance and tax dollars go, should you end up a vegetable or otherwise bed-ridden.