How Much More Is Health Insurance For Smokers? 
Starting in 2014 , insurance companies can charge you up to 50 % more for premiums than someone who does n't use tobacco . However it is not a given that because the federal government allows this rate band that it will effect you.For Instancehere in New Jersey health insurers will not be allowed to vary health insurance premiums based on smoking status . Bottom line is that premiums can not vary by morethan50 % because of smoking status and that the final decision on whether smoking status will effect premiums is left to be decided on the state level . 