[everybodyknows]

>>Tobacco use: Insurers can charge tobacco users up to 50% more than those who don’t use tobacco.

Wondering what fraction of smokers know that, and are lying to their doctors about it. Inappropriate testing or treatment being a possible result.

[xxpor]

It's pretty hard to hide cigarette usage (smell, color of teeth). Vaping is likely to be much easier to conceal though (does that count as "tobacco" though?)