Does Health Insurance Test For Smoking? 
At this time -LRB- May 2014 -RRB- insurance carriers are operating on the honor system for people to report whether they are tobacco users or not . So , unlike the case when you may be applying for certain levels of life insurance , you are not required to take a physical exam where blood or saliva may be taken to test for nicotine . Technically , the Affordable Care Act does allow for a premium adjustment for tobacco usage . In practical terms many health insurance carriers recognize that enforcement of this provision is impractical and so whether a health insurance carrier chooses to apply the allowable rate adjustment for tobacco use varies from insurance carrier to insurance carrier . Some are factoring in an assumed amount of tobacco usage in their base rates and applying a uniform rate to tobacco users and non-users alike . Other carriers are adjusting their rates to account for tobacco use though they may not choose to apply the maximum load allowed under the law . This is an issue you should discuss with your insurance agent when shopping for coverage as it may guide you in your selection of an insurance carrier . Just to be clear , if there is a tobacco use question on your application and you provide a misleading answer this is technically fraudulent and could have repercussions if it is uncovered . 