I have heard the threats of testing for nicotine to determine if your rates will be higher and I know of a few people who were dropped from their employer's insurance plan b/c they smoked. One sued and was reinstated b/c there were NO clauses in the insurance documents about being charged more or being dropped if you were a smoker. I hear a lot of this type of stuff from a relative who manages several insurance practices.
If someone came to my house to see if we smoked or had junk food or had the right exercise equip or not, I wouldn't set a dog on them. I would prob greet them with a gun. I have had SOOOO many insurance problems, right down to finally when J was 6 paying off her birth b/c my company's ins co refused to cover it even though it WAS covered fully, that I am done putting up with this BS.
If they want to charge smokers more for insurance, or turn them down for it, FINE. Just as soon as they start charging McD's for pushing all that unhealthy food on us. Just as soon as the hormones are taken out of our beef and milk supply (I am sick of seeing 8yo girls who need girls - our elem schools are seeing girls needing bras at astoundingly early ages), and high fructose corn syrup is illegal here like it is in other countries, as soon as the pink slime in beef is illegal, and as soon as restaurants are forced to serve reasonable protions instead of 3000 calorie entrees and sandwiches. As soon as video game companies are charged for addicting out kids and as soon as advertisers have to contribute to our health care costs for pushing all the unhealthy stuff on us and for getting our kids to stop going outside b/c they are watching the itv.
Smoking DOES create higher healthcare costs, but so do a lot of other thing. Heck, if this is such a big deal, esp for the 'air poluution" part of it, let's also give the EPa some teeth so that maybe our kids can safely be outside at the hottest part of the day in major cities.
IMO this higher rates if you do this but we don't care if you do these forty other unheatlhy things b/c well, those are not as bad even if one is never exercising adn the other is eating 10,000 calorie per meal of chemical koi that has been added to our food supply,