Health Insurance for Smokers: Quit Before Your Rates Skyrocket!

If you are a smoker, you can pretty much bet on an increase in the premium you pay for health insurance. Many agencies are cracking down on health insurance for smokers because, in the long run, smokers are more costly to care for when it comes to their health. But how do you know if you qualify as a smoker? In Connecticut, you are a tobacco user if you have used tobacco 4 or more days during one week in the past 6 months. If you are quitting or only use tobacco occasionally, you may not even qualify as a smoker. This is important to understand as it could save you a lot of money.

How much more money will tobacco cost you when it comes to health insurance? According to the Affordable Care Act, you can be charged up to 50% more for your premium. This is called a tobacco surcharge and it is starting to apply to premiums offered by many companies. But in reality, it costs you much more than that. Smoking can cost you your health in general. Even if you can afford the insurance premium, it can cause things such as cancer, heart disease, stroke, emphysema, and respiratory complications. So is it really worth it to be a smoker?

The costs for premiums go up so much because not only does the cost of healthcare increase over time for a smoker, but it also serves as an incentive to quit. Many smokers are looking at other options so that they can improve their health and save money over time on their health insurance premiums. Smokers can also save money on premiums by joining programs to help them quit. Such programs are offered by ObamaCare as well as other insurance carriers. Now is the time to quit. You could save your life and you will definitely be saving money.

Are you a former smoker who has successfully kicked the habit for good? Please share your experience in the box below to not only help others save money on health insurance, but aid them in becoming healthier as well!