Does Chewing Tobacco increase Health Insurance Rates?

Answer:
Tobacco use is seen as a red flag by insurance companies

regardless of whether you smoke it or chew it. If you chew tobacco, your medical tests will reveal nicotine levels and you will likely be categorized as a tobacco user. As a tobacco user, you will be subject to higher health insurance rates.

If you’re in otherwise good health, some insurance companies will give you a break. For example, insurance companies often have different tiers with varying rates. A tobacco user who has healthy cholesterol levels, normal blood pressure, and isn’t overweight may qualify for a lower rate. In addition, some insurance companies won’t penalize occasional chewing tobacco users or those who smoke a pipe or cigars every once in a while.

Chewing tobacco is not risk free but it is less risky than smoking tobacco. As with any insurance, each insurance company sets their own factors and weighs them differently when determining rates. If you are being stuck with a higher rate for chewing tobacco, shop around and see if you can find an insurer who is more lenient when it comes to smokeless tobacco use.


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