[aerotwelve]

A consequence of this is to encourage smokers to lie to their doctors about their addiction so their insurance company won't find out that they smoke.

I don't think this is desirable from a public health aspect - smokers need more preventative care, not less.

I know that we already do this with the ACA in America, and this is the exact result I've found amongst old colleagues and friends who smoked regularly. They were terrified of their doctors finding out that they smoked (for fear that they'd be permanently priced out of private health insurance for the rest of their lives), so they weren't able to ask for prescription drugs that could have helped them quit.