What is your take on discounted health insurance premiums based on individual behaviors (e.g., not smoking, driving well) that have external consequences?

What is your take on discounted health insurance premiums based on individual behaviors (e.g., not smoking, driving well) that have external consequences?
Should revenue that is raised by addressing the public health externality through a “sin tax” be earmarked for the public health problem it’s trying to solve?

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