Your hyperventilating and utter lack of compassion aside, you already pay in higher premiums for uncompensated and under-compensated care; that is, if you have medical insurance. A separate risk pool will save YOU money, in other words. And it's all about YOU and your precious virtue, I realize.
As a tobacco user (not a smoker these last 11 years, but still a tobacco user), I have been dinged on every type of insurance for my perfidy and persistence at self-medicating with nicotine.
My lungs are fine, the only cancer I have dealt with was skin cancer (which I question may have been from having a radio transmitter next to my face for hours on end). In fact, I can even attribute some positive effects, medically speaking, to tobacco use, although I have little doubt there are those who would summarily deny such occur.
My point is that the actuarial tables which classified me as a tobacco user had me pay extra with the rest of the tobacco users for our sins, not just for health insurance, but for auto and homeowners' insurance, too. (Recall, I don't smoke, there is no fire hazard).
Why are the American People (well, 98% of us, anyway) having to pay for AIDS when we advocated shutting down the bathhouses that GRID (as AIDS was known then) was tied to and spreading from?
I don't skydive, should I have to pay extra for skydivers, too? I don't race cars, haven't been a rock climber for decades, etc.
There are definite risk profiles which are associated with certain behaviours, whether or not those happen to individuals in those categories. Those who engage or have a record of engaging in the sort of high-risk behaviour which means high payouts for the insurance industry
should pay more. I think that is generally accepted. No one griped about tobacco users paying extra, except maybe some tobacco users.
But now that the stakes are much higher, one protected group is howling to be covered by everyone else for their very expensive behaviour related problems, and hiding behind the poor who were already covered, the junkies who never kept a job to have insurance or never bought it out of pocket, and are advocating people who aren't in the risk group pay for that behaviour, not out of the goodness of their hearts nor as a population based tax, but in order to RANSOM their own health insurance coverage.
Obamacare holds everyone else's health insurance hostage over the behaviour of a few, demanding that everyone pay for the high risk behaviour of a few in order to be covered for their own low risk insurance.
That's just wrong.