Please don't think that it's a question of whether or not you'll get a disease of some sort. The damage is cumulative in all sorts of ways, arterial damage, skin damage, lungs to name but a few. I debated this years ago with my business partner and he said: 'but nobody can point a finger at you and say that you will get lung cancer'. He died 7 years ago next August at the age of 64. From lung cancer.
On the general point of universal health treatment, this is a fundamental problem throughout the NHS, deciding who, out of the many deserving causes, should get treated from what will always be limited resources.