The known risks of smoking is factored into the costs of their health/life insurance.
Everything (except lifestyle choices by race) is factored in when calculating the cost of health/life insurance.
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The below is from 2009;
In every US state, blacks have the highest obesity rate. The same with hypertension, heart disease and asthma.
Blacks have double the rate of T2 Diabetes compared to whites, and growing bigger each year.
79% of blacks have health insurance vs 88% for whites.
Despite this, blacks die from asthma at a rate of 500% that of whites. Blacks are hospitalized for asthma at a rate of 250% that of whites. Blacks visit the ER for asthma at a rate of 260% for asthma.
Blacks have the highest rate of infant deaths.
Blacks die at a higher rate than any other racial group from survivable cancers. This is despite being 3rd in the most health coverage by race of 7 groups.