How Smoking Can Affect Your Health Insurance

When a health insurance provider is determining what premium to offer a potential customer, they take into consideration a number of different factors. Age and family history play a large part in determining a person’s policy costs, but personal health may be the most crucial factor. It is simply more risky to insure a person with poor personal health. One of the factors that will be considered in personal health evaluations is if the person is a smoker or not. As the public becomes more and more aware of the dangers of smoking, so do the people who insure the public.

Regular smoking is a costly habit, both for your wallet and for your health. It is important that consumers are aware of how their lifestyle choices can impact their finances. For more information on health insurance in California, please contact a California insurance agent from Catherine Michaels Insurance Services today at 888-875-9888.

The Cost of Smoking

Whether you are responsible for your own health insurance or it is provided through your employer, it is important to know how smoking can affect your premiums. A recent study done by Union Camp Corporation found that absenteeism and health costs were significantly higher for its employees who smoked than for those who did not. For this reason, insurance companies are inclined to raise their coverage prices for smokers seeking insurance.

Smoking can be costly in unexpected ways, including health insurance costs. It is important for a person seeking the best coverage to know what factors will contribute to their cost of insurance.

Contact Us

For more information on health insurance in California, please contact a California insurance agent from Catherine Michaels Insurance Services today at 888-875-9888.