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A study by researchers at University of Tennessee, published in Health Affairs in 2014, found the median insurer surcharge was 10% in 2014.
Insurers don’t have to impose a surcharge where states allow one, but most do.
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In Idaho and Kentucky, all the insurers on the state exchanges have it. The low rate of admission to tobacco use hampers insurers in setting adequate premiums for everyone, said Scott Streator, a senior vice president with Care Source, an Obamacare health plan with 120,000 members in Ohio, Kentucky, Indiana and West Virginia.
He wants the Obama administration to consider changes to better validate whether smokers are fessing up on health care applications.
Clare Krusing, a spokeswoman for America’s Health Insurance Plans, the industry’s trade group, said it’s clear not all smokers are paying the surcharge, but it is needed to help cover smokers’ high health risks.
The health law allows states to charge as much as 50% more to smokers than non-smokers, but a handful of states have lower limits, including Kentucky and Colorado.
It’s not only Obamacare that’s asking smokers to pay more for health coverage. About 40% of employers with more than 1,000 workers had a tobacco surcharge last year, nearly twice the level a decade ago, according to benefits consulting firm Willis Towers Watson.
RYE Florida only exchanges with certified countries and are open to applicants between the guideline ages 15-19 years old, inclusive.
Exchanges are typically 4 weeks long during the months of June – August.
Signs of smokers’ deceit:--In Idaho, 17% of adults smoke regularly, a federal survey shows, but fewer than 3% who bought coverage this year on the state’s insurance exchange paid the tobacco surcharge.--In Kentucky, more than a quarter of adults smoke regularly, but just 11% paid the tobacco surcharge.--In Minnesota, 18% of adults smoke but under 5% paid the tobacco surcharge.
Wide discrepancies like those exist in virtually all states that allow insurers to charge smokers extra on the Obamacare individual insurance market, federal data show.