March 3, 2006, Newsletter Issue #1: Smoking & Your Health Insurance Costs

Tip of the Week

In the U.S., smoking costs over $167 billion a year in medical expenses and lost productivity.

Because smokers have greater lifetime medical expenses than non-smokers, their health insurance premiums are more expensive. When you’re buying a plan on your own, you’re responsible for paying all the extra cost. And now a growing number of employers are applying surcharges to their tobacco-using employees’ premiums as well.

Successfully quitting can not only reduce your lifetime medical expenses, it can lower your health insurance premiums, too.

Look for help from your insurance plan: If you have an individual health insurance policy or coverage through your employer, find out if your plan covers counseling sessions and tobacco cessation programs.

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