 [ Symptoms ] how do i gain weight and what kind of doctor do i need to see [ Disease ] under the affordable care act insurers are allowed to charge smokers a 50 surcharge some states though unfortunately pa is not one of them have chosen not to allow this extra charge the good news however is that if you agree to participate in a smoking cessation program you can offset higher costs so there is an opportunity to quit and to avoid higher costs if you agree to try