If you’re a smoker, I’m sure you have been hit with many costs and annoyances over the years including workplace and public smoking pans as well as soaring cigarette costs and taxes. One other cost that may get your to quit is health insurance. People who use tobacco products pay higher premiums to insurance companies due to the health conditions that could occur in the future. Some health insurance companies charge from 10% to 40% higher premiums for smokers than non-smokers. The worst part may be that some smokers could be considered uninsurable. This is due to insurance companies considering smokers to be too high to insure.

In order to see a drop in your health insurance premium, it is not only best for your pocket to quit smoking but also your health. Insurance companies will reconsider premiums for people who have been tobacco free for a year and must see proof from blood tests and documentation. Not only are you saving money on your health insurance but also by not purchasing cigarettes.