[pvarangot]

I live in the US and the 600 extra are binary, the question is "have you used any tobacco products in the past three months?" and a yes means an extra 600 per year. It's not that unusual if you get health insurance through your employer because it drives the cost down for everyone else, and of course scamming money off smokers even if they just casually do it a couple of times every three months is socially accepted.

Also except executives no one is above 60, which is where one would argue that if you are a smoker you may actually needing to tap heavy into health insurance money for smoking related conditions. There's even research that if you quit before 40 your smoking related cancer risks go down 90% https://www.healio.com/news/hematology-oncology/20211228/qui...

Of course I can drink a bottle of wine per day, not exercise, eat processed meat and not consume a gram of fiber and I don't have to pay extra health insurance. It doesn't make any sense.

[HWR_14]

I thought you were in the US.

By federal law, you cannot be charged more for smoking a cigarette every four months. You can be charged more for smoking with more regularity. There is a binary cutoff, but the level isn't zero (feds have a minimum level, but states can impose higher ones.). You may want to consult a lawyer if this is something that is really happening and concerns you. Plus, you certainly should consult a lawyer before you change your answer on a the form, in case you are in a grandfathered plan or some other special case.