Quote:
Originally Posted by TMI Guy
No misunderstanding. Let's apply the KISS principle (no insult intended) and stick to the basics.
The term "health insurance" can apply to a large number of different kinds of arrangements. I stated "it's common for health insurance premiums to be more expensive for those who use tobacco." You replied "You are wrong about the Heath insurance statement. That only applies to life insurance." Since then you have apparently acknowledged that some kinds of health insurance plans, including certain ACA plans and plans where the employer self-insures, can in fact cost more for those who use tobacco. That's it. There's no need to get into different types of health insurance policies to come up with a "yes" answer when the question is whether or not some health insurance plans can and do charge a higher premium for tobacco users.
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I still stand by my statement, experience and professional opinion it is not common.
Enjoy!
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