Can Health Insurance Charge More For Smokers? 
Health insurance absolutely can charge more for smokers . In fact , under Healthcare Reform , the ONLY things for which carriers can charge more are age , location and smoking . Smoking was going to be a 50 % increase . That 's HUGE rate increase , but it ought to give you an idea of the claims that occur as a result of smoking . However , just recently Health & Human services stated they ca n't figure out how to logistically charge more for smoking at this time , so for the 1st year of Healthcare Reform , they are NOT going to charge more for smoking , which could end up raising the rates for everyone else . So again , prior to Healthcare Reform you will pay an increase . But as of 1/1/14 , no rate increase - at least for the 1st year . 