E-Cigarette Users May End Up Paying More For Insurance
From: National Public Radio
by Michelle Andrews
People may think that e-cigarettes are a safer alternative to tobacco, but insurers might not agree.
Tobacco use is one of just four things that insurers that sell health plans on the individual market can when determining someone’s premium: age, geographic location, and family size are the other three. People who use tobacco can be charged up to 50 percent more than nonsmokers.
Under the rules, use of any tobacco product four or more times a week on average in the past six months could subject someone to the tobacco surcharge.
