Everyone knows smoking puts you at risk for increased health care spending. So it has become a common practice for employers to charge smokers a higher premium for their health insurance than non‐smokers.
An extra $50 per month seems to be about the normal surcharge. That seems simple enough. But then, how do you enforce this new policy? Will it be an honor system or will you require a biometric profile?
And if you charge for one life‐style choice, will you charge for others? What about obesity? Or high blood pressure?
The best advice is not to push the envelope in an area where even experts disagree.