The obese and smokers actually cost less because they die early vs healthy people who live a long life and need a lot of care when they're aged.
"Smoking was associated with a moderate decrease in healthcare costs, and a marked decrease in pension costs due to increased mortality." https://bmjopen.bmj.com/content/2/6/e001678
The UK did a study and they found that from the three biggest healthcare risks; obesity, smoking, and alcohol, they realize a net savings of £22.8 billion (£342/$474 per person) per year. This is due primarily to people with health risks not living as long (healthcare for the elderly is exceptionally expensive), as well as reduced spending on pensions, etc..
"Smoking was associated with a moderate decrease in healthcare costs, and a marked decrease in pension costs due to increased mortality." https://bmjopen.bmj.com/content/2/6/e001678
The UK did a study and they found that from the three biggest healthcare risks; obesity, smoking, and alcohol, they realize a net savings of £22.8 billion (£342/$474 per person) per year. This is due primarily to people with health risks not living as long (healthcare for the elderly is exceptionally expensive), as well as reduced spending on pensions, etc..