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Smoking is not cheap ($4.35 a pack on average or more than $1,500 a year if you smoke a pack a day) and it can be even more expensive you are diagnosed with a lung disease that was cause by your smoking as well as dental bills. Some healthcare plans offer incentives to stop smoking including free cesation programs. By 2008, 25% of companies expect to impose penalties for bad health behavior, such as higher deductibles and premiums for smokers. And you may soon be paying more for health insurance at work too.