Who is against higher premiums for tobacco users?
Many health organizations, including the American Lung Association and the American Cancer Society, are against higher rates for smokers and other tobacco users.
The higher premium, besides being discriminatory, may backfire, Sward says.
"We really urge the carrot over the stick approach," she says. "We know smokers want to quit and they need help to do so. It's in everyone's best interest that smokers have access to a good cessation program."