I have to disagree with you here. Even social smoking puts you at a higher risk for developing certain diseases than non-smokers. If insurance companies didn’t

I have to disagree with you here. Even social smoking puts you at a higher risk for developing certain diseases than non-smokers. If insurance companies didn’t charge smokers $100 then they would charge everyone $50. That certainly doesn’t seem fair. I’m also having a hard time with the idea that insurance companies are using this policy as a way to get out of paying future claims. Is it really possible to prove that a condition is due to smoking? Also any time I’ve had to fill out that information on an insurance form and I’ve only ever seen it ask if I am currently a smoker. What’s to say I wasn’t a smoker before I was covered by that insurance company?