Risks of Smoker Surcharge


As an ex-smoker, I wish all smokers would quit, as the detriment to their health is obvious (“Smokers Paying Extra Health Fees,” Feb. 21).

But for insurers to begin charging additional premiums for smokers is troubling.

Will insurers surcharge drinkers, since we know there are higher medical costs for that group? Or an obesity charge? Skiers are more likely to incur expensive injuries than pedestrians; what about them?


Insurance companies want to cover only people who will incur minimal medical expenses, but the reality is that people engage in many behaviors that lead to higher healthcare costs.

This change could lead to radical changes in health insurance coverage, resulting in less coverage and higher premiums.

Steve Wayland

West Hollywood