technically the insurer charges you more. And often they just give you credits towards healthcare costs if you don't smoke, instead of charging you more if you

technically the insurer charges you more. And often they just give you credits towards healthcare costs if you don't smoke, instead of charging you more if you do. As to why this is acceptable, cultural views on smoking tobacco in the US hover just this side of pedophilia it seems like. I don't know a single person who smokes and has a professional career.