No, it's better to get covered sooner than later. The longer you wait, the more likely you are to develop a smoking-related condition that could increase your rates or even prevent you from getting covered, like heart disease or lung cancer. Insurance rates also go up as you age, so it's best to lock down a policy while you're younger. Even if you've quit recently, you won't qualify for non-smoker rates for at least a year, which means there's no reason to wait.