Smoking & Non-Smoking Health Insurance Rates

Good Morning....does anyone offer different health insurance rates to smokers vs. non-smokers.  We are looking at discounting the insurance rates for non-smokers by $25.00 per month.  If you do have this in place already do you have a policy in regards to this?  Thanks@


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  • I was under the impression this wasn't allowed, but I could be wrong. I know you can offer some incentives for participating in wellness programs but I thought there was an issue with charging different rates for health conditions. I guess it would be a problem in states that protect smokers from discrimination too.
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