Is Health Insurance More Expensive For Smokers? 
Health insurance is more expensive for smokers . In fact , under the Affordable Healthcare Act -LRB- aka Obama Care -RRB- , it is one of only three factors considered in calculating the monthly premium - geographic area in which you live , your age and tobacco usage -LRB- Y/N -RRB- . As a smoker , the new law will allow insurance companies to increase monthly premiums to a maximum of 50 % higher than a non smoker . 