Can I still get health insurance if I smoke?

It’s no secret that smoking is bad for your health and can cause several serious diseases. But what about getting health insurance? Can you still get coverage in Lakewood, CO if you smoke? The answer is yes, but the premiums may be higher due to the increased risk associated with smoking. Colling Insurance Services Inc. breaks down what options are available. 

Health Insurance Providers and Smoking Habits 

Most health insurance providers consider an applicant’s smoking habits when calculating premiums. This means that, depending on the provider, smokers may pay anywhere from 10% to 50% more than nonsmokers in monthly premiums. Most providers also impose age restrictions on smokers—for example, some plans will not cover those over 50 who smoke.  

That being said, many options are still available to smokers looking for coverage. Depending on where you live and the type of plan you choose, you may be able to find a plan that does not increase your premium due to your smoking habits. The Affordable Care Act (ACA) also prohibits discrimination based on pre-existing conditions like smoking or other lifestyle choices such as alcohol or drug use, so it’s important to remember this when shopping for coverage. 

In addition to lower premiums, quitting smoking has many other benefits, such as improved breathing, cardiovascular function, and overall health. Quitting can also help reduce stress levels, improving mental clarity and focus. If you have been considering quitting smoking but haven’t taken the plunge yet, now is a great time! Most insurance companies will allow smokers who quit within the last year to apply for lower rates without any additional paperwork or proof of quitting required.                       

If you live in Lakewood, CO, and need help finding an affordable healthcare plan that meets your needs, contact Colling Insurance Services Inc today for more information about your options!