One cost determining factor for many health insurance policies is whether or not you’re a smoker. If you’re a smoker, you can expect to pay several hundred dollars more for the same health insurance policy than a non smoker.
Health and medical insurers determine the health insurance policy premiums based on studies done to ascertain the risk factors certain groups of people exhibit. If you fall into a riskier group, you usually must pay more for the same amount of insurance. Studies show that smokers have more health problems than non smokers and therefore pay higher premiums for the same health insurance policies. There are two prime reasons that smokers get tagged with higher health insurance premiums.
1) The act of smoking causes an increase in a number of health issues. These make it more likely that health insurers will have to pay out more money for a smoker than for a non smoker.
2) People who smoke tend to exhibit higher risk behavior than non smokers. The higher risk behavior leads to more health insurance claims than non smokers.
Doing a quick comparison on a free health insurance quote website with all the factors the same and same policy (age 44, male, living in CA, $1500 deductible) resulted in a $30 a month difference in health insurance premiums payments between smokers and non smokers. This means that smokers pay about $350 more a year for health insurance than a comparable non smoker.