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Tobacco Surcharges: how they actually work Why Charging Smokers More For Health Insurance Costs All Of Us Money Reducing Healthcare Costs: The Importance of Tobacco Cessation Tobacco Surcharges Tobacco Cessation M3 Insurance Smoking doesn't make you uninsurable but hiding it can put your family's claim at risk. Insurers price policies based on risk, so tobacco or nicotine use may lead to higher premiums. This
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