Not much since the healthcare system tends to deny coverage to smokers
Really? I know that my company's health insurance coverage doesn't ask anywhere whether you smoke or not. At least 1/4 of the people where I work are smokers, and to the best of my knowledge, none have ever been refused health care or coverage from the insurance company. And given the way people whine about every little thing where I work, I would have heard, had it happened.
Mark