If you’re a smoker, you’ll pay a higher price for health insurance. However, the difference isn’t that significant compared to that of non-smoking policyholders. Your health condition can increase your coverage costs, especially if it's deteriorating. Note that smoking doesn’t automatically increase your premiums with all carriers. Your health is the most important factor here when determining your coverage cost. This is why smokers may need to undergo a medical test as part of the underwriting process.