Let me carry this logic one step further. People should be responsible for their actions. The main killers: heart attack, stroke, cancer are life style induced.
let's have a FAT TAX. Let the fatties pay higher insurance premiums, higher rates for medical attention. According to the surgeons, it's harder to operate on a fat person, cutting through all that fat to get to the problem. This incurrs more billable time and labor intensive effort.