Just because smokers pay more for medical insurance doesn’t mean that they receive better insurance coverage – they simply pay more for the same coverage as a non smoker. The coverage is more expensive because smokers have a higher risk of having health problems and getting certain diseases.
What this means is that smokers likely take more trips to the doctor than non smokers for a variety of smoking related illnesses. Since most trips to the hospital require that the person pay a deductible, each extra trip to seek medical attention is an increased cost to the smoker.
In addition to visits to the doctor for minor ailments caused by smoking, smokers are also more likely to need more extensive medical treatment such as surgery that require hospital admissions. Even with good medical insurance coverage, a large amount of money will need to come from the smoker to pay for these procedures.
While the actual extra cost to a smoker for medical treatment is difficult to estimate, it would seem likely that smokers pay a minimum of an extra $25 a month which would equal $300 a year more than non smokers for health related costs.