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MCPersonalFinance That occasional cigarette at a wedding or social gathering could cost more than you think. Insurance companies increasingly take a broad view of smoking habits, and even infrequent tobacco or The 'Social Smoker' Penalty: Why Occasional Puffs Can Spike Your Insurance Premiums by 50% New Wave of Lawsuits Target Health Plan Tobacco Surcharges 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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