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I'll have to give this more thought, but the first thing that jumped out at me: having people pay higher premiums for an "unhealthy" lifestyle is a dangerous slope...who defines "unhealthy"? Would the "unhealthy" choices be determined across the board, or based on gender, age, race, disability, sexual orientation, etc? I could potentially see this as discriminatory against certain persons.

Plus, aren't there some socio-economic studies that discuss this topic: persons who do not have the financial means for "regularly"-priced insurance (which is still REALLY high, by the way!!) are more likely to experience some "unhealthy" lifestyle choices...and increasing their premiums would only exacerbate this problem?

I thought the real problem is that not ENOUGH people have health insurance, and we need to focus on ALL people having access to health care and health insurance, instead of focusing on healthy vs. unhealthy lifestyle choices. I do not know of a single person who does not make unhealthy lifestyle choices...some of those choices may "cost" more than others...