Here is the problem Anna, as we are moving as a nation toward socialised medicine, we are also moving toward government interference into anything we do which may or may not affect our health. When it's government which is most affected in a cost benefit analysis of smoking, then it's government who will need (yes, need) to enforce actions of the individual which will not be a drain on the system, otherwise the system will go broke.
When we invite government into our doctors examination rooms because we don't want to pay for the visit, we inadvertently invite them into our private decisions that can affect our health. It's simple logic.
I switched to Medicare about a year and a half ago. MC doesn't ask any questions about tobacco use. When I bought my supplemental policy for part B the agent asked me a series of questions, one of which was, "Have you smoked cigarettes in the last 6 months?". The honest answer to that was no.
People are living longer. I remember reading an article about government concerns with the costs of Medicare when it was first rolled out. They toyed around with different ages for eligibility and finally chose 65. Some European countries had higher ages that pushed the average life span of citizens.