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Kutulu, no problem, I don't mind. I wanted to put that out there as another angle.
I don't know about fired, but I think the employer would have every right to refuse to carry the employee on insurance. Same with the smoker thing. Everyone should be free to smoke all they want, but an employer shouldn't have to cover their health care. I guess I see these issues like credit. Reward and incentive for those that have good credit. SImilarly, if you are healthy, cheap or free coverage. If you smoke or are obese (for example), then pay premium prices.
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