Should we, as health insurance payers, insist that obese people and smokers pay a much higher premium?

I was pretty sure they already do that. If you get a policy, you have to fill out forms that ask about family history of diseases, whether or not you smoke, and I saw one that asked how often you work out. Every policy that I have had required me to take a full physical before I would be covered too. My employer also doesn't hire elderly, smokers, chronically ill, or obese people in order to keep his expenses down. I'm not saying that it's right, just the way it is.