I was under the impression that insurance companies factored the additional liability potential of smoking into the rate when underwriting a policy.
I can't prove this but strongly suspect that the net fiscal effect of tobacco use on the federal budget is positive. Sure medicare and medicaid expenses increase but, as mentioned earlier, there is an offset by the "sin taxes." Of course if folks don't die of smoking related disease they will eventually die of something else and incur medical and other government subsidized expenses during their additional years. Also cigarette smokers, dying younger as a general rule, forfeit the social security and other benefits that non-smokers receive during their extended life span.
I don't think one single smoker is going to quit because he is nagged at or feels guilty about supposedly being a drain on the wallets of the rest of us. The point is that they (used to be we) not only pay the exhorbitant prices, including taxes, on cigarettes but, in many ways, miss out on their fair share of the benefits.
I only write this in the hope that feeling taken advantage of might be the last straw that helps somebody like Maverick finally become entirely ready to quit.