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Originally Posted by joey2665
You are misunderstanding.
The type as far as is the policy through open market, self insured, traditional group coverage which is how your employer obtains the policy not the type of coverage the employee is receiving.
Although your coverage maybe let’s say Blue Cross for example your employer could have obtained it traditionally or Blue Cross can underwrite a self insured plan. If it’s self insured it can have much different rules such as surcharges that traditional policies don’t have. Self insured though exist certainly are not the norm.
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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.