If all those were choices, I'd be on board... The fat one is a borderline issue, some people that eat too much are fat, other people can eat as much as they want without any weight gain at all... Genetics you have no control over... smoking is your choice. I've been opposed to the individual mandate from the beginning, and I don't like it, but it's also the part that makes the math work...otherwise you could say screw health insurance, until you're sick, then buy a policy...