Then its time the insurance companies GET creative. Like I stated earlier, I have no problem paying a higher premium because I do smoke, but, here is one small issue I have. A few years ago my doc prescribed one of those stop smoking meds, the insurance would not pay for it and at the time I couldnt afford the script. Wouldnt it make sense to pay for the script with a decent chance I would stop smoking and wouldnt be making as many trips to the doc on average?? Btw, Only 1 trip to the doc last year and 1 this year, the one this year was a bug I caught from my wife LOL