Tobacco use is the ONE thing ACA plans CAN charge you more for — up to 50% surcharge. But the difference between carriers can be massive. We help smokers save up to 30%.
Built for your specific situation, not a generic algorithm.
Different carriers apply different tobacco surcharges (some 25%, some 50%). We find the lowest for your area.
All ACA plans cover smoking cessation FREE — counseling + nicotine replacement + Chantix/Zyban + Nicoderm.
Some states (CA, MA, NJ, NY, RI, VT, DC) ban tobacco surcharges entirely. Different definition of "tobacco use" matters.
You may legally answer "non-tobacco user" — saving 25–50% on premium. We help verify the rules.
You can't be denied coverage for smoking. Pre-existing conditions related to smoking are still covered.
One year tobacco-free = non-tobacco rates. We help time your enrollment to maximize savings.
Real answers from licensed insurance experts.
60 seconds. No credit card. Real plans from a real licensed agent who specializes in your situation.