"Shoppers"
From the article on the ACA and smoking:
Consumers applying for insurance self-report whether they use tobacco. “They need to check off a box on the form,” said Schultz.
When making a policy purchase, insurance shoppers don’t have to prove whether they use tobacco. But smokers who might consider lying about tobacco use to cut their premium rates should think again.
“If a tobacco user does not check the box, and we later found out through a review of medical records or other reasons that he or she is a tobacco user, that is considered fraud,” Schultz said. “An insurance policy may be terminated if one commits fraud and does not share accurate medical information.”
Indeed, this is part of the difference between liberals and conservatives- you trust the government with your information to make choices that supposedly will be beneficial for all. I don't.
Edit: For the good of the whole at the expense of the individual.
It's all about how you look at fairness I guess.