I think there should be a survey given at the hospital and be available to life insurance and health insurance providers that document specific high-risk behaviours, so that those people are taxed at a higher rate. That includes over-eating, smoking, drugs, drinking, promiscuious sex, dangerous jobs, etc. Anything high risk, should be noted and people should have a rate increase. It costs the healthcare system, private or public a lot more money to treat these people than it does the average person. Since all that behaviour is avoidable and preventable, they should have to pay for not being smart enough to take care of themselves.