1. 1575 POINTS
    Christopher LawrencePRO
    Insurance Broker | Financial Consultant, Lawrence Insurance Consulting, Southern New Jersey
    Starting in 2014, insurance companies can charge you up to 50% more for premiums than someone who doesn't use tobacco. However it is not a given that because the federal government allows this rate band that it will effect you. For Instance here 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 more than 50% 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.
    Answered on October 30, 2013
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