Tobacco Surcharge: Smoking Just Got More Expensive

The Cost of SmokingOne of the factors used to determine health insurance premiums under the Affordable Care Act is tobacco usage. Being a tobacco user could significantly change the cost of a health insurance policy. Through the Affordable Care Act, insurance companies can charge up to 50% higher premiums for smokers, however states can and in some cases have reduced or eliminated this surcharge.

For more information on the tobacco surcharge visit MSN ( and for any questions regarding health or other insurance, contact TMIB at 310-828-9662.


The information provided in our blogs are very brief overviews that do not provide complete descriptions of any coverage described nor do they list all of the important factors one should evaluate before deciding on a policy. Please speak to your broker at TMIB about your specific insurance needs and for more detailed information about types of coverage.