Data: Smoking increases the risk to develop health problems, as stated on the surgeon generals warning on the carton of packs of cigarettes. People who are more likely to have problems with health usually have to pay more for health insurance.
Warrant: It is unfair that a person with less health risks should be made to pay the same amount as someone who endangers themselves by smoking.
Backing: People need to have a fair system.
Qualifier: Always
Rebuttal: Unless they are taking steps and showing initiative to quit smoking.
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