Yes, but what if your co-worker who smokes gets lung cancer and causes healthcare premiums to skyrocket for everyone at your company. Suddenly your co-worker's cigarette habit is costing you an extra $2000 per year.

I don't like the idea of companies or government dictating individual behavior, but the current system of group healthcare means that someone else's choices affect me financially.

Of course Howard and I solved this problem by becoming self-employed and disqualifying ourselves from group healthcare. Now we just pay lots of money whenever we get sick. ;)