Public Health Question

I had a class not that long ago where the question was raised, "If you had to pay for health care based on your health habits (good or bad) would you be more inclined to take better care of yourself?" For instance, if you were a smoker, would you continue smoking if the cost of your health care would increase? Or if you were overweight would you be motivated to exercise and eat right?

I have mixed feelings about this because I'm such a big proponent of personal responsibility. Now this does not include situations or diseases that may be unavoidable. On one hand, I have a tough time reconciling paying for a person who has emphysema because of decades of smoking and choosing not to quit, or is morbidly obese (not genetic or metabolically based causes) because they like the taste of twinkies and Big Macs.

On the other hand, people are stricken with disease and there is no cause and effect to that disease and they need help.

Any thoughts?

EDIT: Capn asked some good questions and I see I need to clarify a little more.  The situations would be related more to health situations that derive from someone not taking care of themselves. Now I know this is a bad example, but I can't think of a different one right now. Diabetes brought on by obesity. I'm not referring to eating habits per se, but the direct consequences of those habits/actions. Would you feel it is fair to pay the same amount as someone who is going to need extensive care because of those actions as opposed to someone else who takes care of themselves? Did that muddy the water more? This is not an easy question.

Keep on Go!