[Cementjungle]

In the age group from 20 to 65, if a person has a job that provides a health care package, they are all grouped in under a group plan. They don’t pay higher rates.

True... however the insurance companies have actuarial data and price the group plans according to their real world experience with these populations... so the smoking-related (and other) stuff is calculated in already.

[DoughtyOne]

Yes it is. It is calculated in such that everyone in the plan pays higher rates instead of just the smokers.