...they don't make obese people pay more? I am 21, 155 lbs and yes I do smoke. But I have a coworker who weights about 350 lbs and she pays 40 dollars less per month for her health insurance. One pack of cigarettes is equal to about 100 lbs more work on your heart, she weighs almost 200 lbs more than me so her risk for a heart attack is double. By why do I have to pay more? She's the one that has the bigger health risks!