Health insurance is (partially) dependent on lifestyle - If you're a smoker, you pay more and you SHOULD. If you're obese, you pay more and you SHOULD. BL's idiotic gut bacteria argument aside, having an unhealthy lifestyle is a CHOICE. Every choice has tradeoffs.
If you choose to smoke, you're choosing to buy heavily taxed cigarettes and pay more for health insurance and life insurance.
If you're obese, you can still improve your lifestyle and get into a healthy range, but it might TAKE WORK. If you choose not to do that work, you're choosing to pay more for health insurance (diabetes is a BIG add-on cost) and life insurance.
Choices.