If they are paying their own insurance premiums, then yes.

I agree with this. I'm not one to actively go out and look for ways to shorten my life but I do believe, to an extent that when it's your time to go, you go. One person might make lousy choices regarding their health and it kills them. Another person might smoke, drink and eat garbage their entire life and live to be 102. This year alone, I've had a 15 year old, healthy, active family member die of a pulmonary embolism and known another active, healthy child be diagnosed with and die from cancer.
There are always going to be people who make lousy choices. We can't control that. We can only control the choices we make for ourselves.