[neverhillorat]

Sorry, we don`t have a policy four a family of four, non`smokers, no seious health problems that would cost that much. Health care insurance goes nuts when you add the psychiatric coverage and full coverage dental.

[magellan]

"Sorry, we don`t have a policy four a family of four, non smokers, no serious health problems that would cost that much. Health care insurance goes nuts when you add the psychiatric coverage and full coverage dental."

This is what I figured. The union driven polices likely have all the bells and whistles. They probably have pretty good vision coverage as well.

However, most employer provided policies do not discriminate against smokers vs. non-smokers, and generally do not inquire on current health status. At least I have never been asked. The price is fixed for all people in the same coverage area. So non-smokers subsidize the smokers policies.