statistically, smokers die early enough that their lifetime healthcare costs are lower than that of nonsmokers. I guess that doesn't really matter to a company that only pays for current employees' coverage, but it's an interesting fact.

I don't currently, but I smoked for about eight years. afaik, this significantly increases my chances of various respiratory problems. I don't mind having that accounted for in my premiums as long as you're willing to open up about your lifestyle and see how we can adjust your premiums. :)