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Health insurance does go up if you smoke. Currently, the increase varies from one carrier to another. The range seems to be between 10%-35%. Short-term plans are often an exception since smoking status is sometimes not part of the application.
In 2014, although pre-existing conditions will not impact rates, smoking will be a factor and you will pay a higher rate if you smoke. However, Open Enrollments will take place every year so if you quit (for a year), you may be able to reduce your rates.
Cigarette smoking affects the mortality and morbidity underwriting, in this case health insurance. The impact on health premiums is significant now and later on medical claims. But ultimately it shortens life expectancy and dramatically impacts the last years of life with respiratory complications. Smoking is one of the leading causes of health care costs.
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In 2014, although pre-existing conditions will not impact rates, smoking will be a factor and you will pay a higher rate if you smoke. However, Open Enrollments will take place every year so if you quit (for a year), you may be able to reduce your rates.