actually people who smoke may be required to pay higher premiums than non-smokers. the affordable care act allows premiums for smokers to be up to 50% higher than non-smokers so it can be a substantial penalty.
neither my husband nor myself drink or smoke. yet we have heard via the media that our health insurance premiums are going to be higher to cover those who do drink and smoke simply because my husband and i both work. how is that fair? i realize it's called the "affordable care act " but those who choose to make bad lifestyle choices should have to pay more for insurance than those of us who make good health decisions.