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The impact of smoking on Private Health Insurance Protectus Healthcare Evidence Suggests That The ACA's Tobacco Surcharges Reduced Insurance Take Up And Did Not Increase Smoking Cessation PMC Are smokers unable to afford insurance under the ACA? Insurance Fact #11: Vaping is considered tobacco use by many health insurance carriers. That means it may increase your monthly premiumjust like smoking. Always answer tobacco questions honestly when applying for coverage. #
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