How Smoking Affect Your Health Insurance?

How Smoking Affect Your Health Insurance?

We know by now that we need to eat the right foods, need to work out, and do stuff that is healthy for us. Because maintaining good health does not happen by accident, it requires work and smart lifestyle choices. But sometimes when we wake up at 6 am to hit the gym before work or shunning the donuts in breakfast, it’s easy to lose sight of for what are we doing all these. So here are some top articles choices that can keep you motivated to lead a healthy lifestyle and keep diseases at bay.

How Smoking Affect Your Health Insurance?

, How Smoking Affect Your Health Insurance?Does smoking affect my health insurance? Answer to this question is definitely yes, smoking affects not only your health but also your health insurance. If you are a smoker, you have to pay higher health insurance premium, even if all other parameters are same. It is always a tough job to find an affordable health insurance which serves your health care needs and if you smoke, the job becomes tougher and if you do not have health insurance, even simple fever or a sprain in ankle can cost you dear by spending in terms of thousands of dollars.

Insurance companies that offer health insurance have large data which proves that the cost for providing healthcare to smokers is significantly higher in compare to their non smoker counterparts. To offset the risk of higher healthcare cost for smokers, the insurance companies charge higher premium for smokers.

Here are studies which suggest that for smoking every pack of cigarette by a smoker it costs approximately $7 to United States in terms of healthcare costs, loss of productivity and of various other factors, not to mention that smoking claims approximately half a million deaths annually in US alone and the cost of these deaths is difficult to determine. It is also estimated that smoking costs US approximately 160 billion dollar a year. To offset this risk and to discourage smoking it is not unfair for health insurance companies to charge higher premium for smokers.

So, what options are left for smoker regarding their health insurance?

The best option is of course to quit smoking. Quitting smoking not only reduces your health insurance premium, it also impacts your health in a positive manner and we all are aware of it, unfortunately very few smokers can actually quit smoking despite their level best try.

If you can not quit smoking, you may have to look for other options. The next best option (other than quitting smoking) is to find health insurance companies which charge comparatively lower health insurance premium for smokers. One can also search insurance companies that offer package deals to individuals and offer life insurance, health insurance, auto and home insurance in a package. Typically these package deals costs less than buying them separately.

If you already have health insurance and you are smoker, your insurance may cover some costs to quit smoking, such as buying patches, paying for medication etc. Find out if current health insurance covers these costs.

A final word: If you are a smoker and worried about higher health insurance premium because you are smoker, than your priorities in life are in wrong order. Set your priorities in right order and quit smoking for a healthier more productive life and not for reducing your health insurance premium.

If you want to learn Quit smoking tips, read here.

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