Maybe you have a good plan, I don't know.
Since at least 2011 or so every plan I was on have asked me if I am a smoker and told me I cannot lie otherwise it would be insurance fraud.
https://www.healthmarkets.com/content/smoking-and-health-insurance
There are protected class that insurance companies cannot charge differently, at least in employer plan health insurance you cannot charge differently based on ethnic, gender, age, or family size (only single, spouse or domestic partner, spouse or domestic partner + below age 26 children regardless of how many). I don't think obesity is there on the list because people can't control their health like they cannot control if they were born with birth defect.
Smoking however is a choice, so yes you can just quit if you think it is not fair to you, and they do want you to quit and provide free program to help outside of health insurance.