Can I be charged more for my company offered health insurance because I smoke or am overweight?
Question Details:
Cost of insurance due to smoking or obesity.
Yes, your annual premiums for health insurance could very well be higher than a person of the same age and gender who is not overweight and does not smoke. The reason for the disparity in annual premiums is that medical evidence demonstrate that smokers and overweight individuals are more at risk for health issues than those that are not.
As such, insurance carriers as a means of allocating the risk of loss amongst as part of its operational costs charge smokers and individuals who are overweight higher premiums.
