"If you're thin and you don't smoke, you can get a significant discount on your premiums. Otherwise, you've got two choices: Pay more for your insurance or mend your wicked ways."

So, the thin people get a discount, or the fat people pay more? I'm guessing this works alot like those frequent shopper cards where the card gets you a discount off the 'regular' price, which always looks suspiciously inflated? I'm guessing fatty gets a higher premium, and a bunch of mysterious mailings with coupons for Hagen-Daaz.