I would rather sleep in the woods in a hollow log than stay you and let you treat me like a dog.
Who’s footing the bill?
Well, in some instances the rates for the entire insurance pool rise due to a smoker’s elevated medical needs.
In some instances the smoker will have to pay elevated rates for insurance, health, life, et al.
This usually depends on whether the smoker can slip on on a group plan, or has to find insurance on his own.
I’m not sure if there is a medical test for group plans these days. There may be, and I’m not aware of it.
Smoking has become a very big deal. I know of some policies that ask if you have ever smoked in your life. They even want to know if you haven’t smoke in decades.