While my Dr of course wants to know, my employment based health insurance plans in the US have never once asked if I was a smoker. They don't really ask anythin

While my Dr of course wants to know, my employment based health insurance plans in the US have never once asked if I was a smoker. They don't really ask anything, other than "which plan would you like?" - if you pay for it you get it. Happy to be corrected by someone who knows more, but my understanding is the major deciding factor in the cost of a workplace plan is average age of the workforce at the company, basically little else. For companies I've worked for, the individual health of those who work there was not factored at all. I'm willing to bet that if you tell the insurer "we don't hire smokers" you likely get a better price though.