Does Health Insurance Go Up If You Smoke? 
Health insurance does go up if you smoke . Currently , the increase varies from one carrier to another . The range seems to be between 10 % -35 % . Short-term plans are often an exception since smoking status is sometimes not part of the application . In 2014 , although pre-existing conditions will not impact rates , smoking will be a factor and you will pay a higher rate if you smoke . However , Open Enrollments will take place every year so if you quit -LRB- for a year -RRB- , you may be able to reduce your rates . 