I posted a link to a peer reviewed paper, as well as the abstract in the thread. Do you not read what I post?
I posted in the morning before I left for work, I didn't finish reading the whole thread.
Your article still doesn't answer the rest of what I mentioned though. If smokers die earlier the group saving the most would be the government because it would keep people from spending time on medicare. It doesn't help private businesses that pay for a portion of their employee's healthcare or insurance companies selling health insurance to people directly.
Case 1: Employer needs X amount of people to meet demand and the company pays for their employee's healthcare. A certain percentage of them are smokers, who are more likely to have more expensive health care bills over a given period of time. They are also more likely to die or have a serious illness that makes them stop working. The company then turns around and hires another worker so that they have the required number of people to meet demand. The company sees no benefit from the worker dieing earlier, only higher costs.
Case 2: A person buys private health insurance from a company. They are a smoker and are more likely over a given period of time to have a serious illness that requires expensive care. They are also more likely to die over any given period in time. As soon as they die they stop paying insurance premiums. The insurance company sees no benefits from the smoker dieing earlier, they only see higher costs to insure a smoker.
While overall costs for our country as a whole go down because smokers die earlier that doesn't get around the fact that a smoker on average has higher healthcare costs than a non-smoker. For everything except medicare which covers you until you die the direct cost to the entity paying the bills is higher for an average smoker than it is for an average non-smoker over a given period of time. That justifies higher premiums.