A lesser-known feature of Obamacare is that smokers’ insurance premiums will be up to 50% higher than the premiums of non-smokers.
Obamacare’s premium differential has been roundly criticized by many. Like other aspects of the Affordable Care Act, smokers’ insurance premiums would be set by an honor system. Customers would have the responsibility to tell their insurance company that they smoke, but it is very likely that most people would opt not to tell.
Cheryl Heaton, president of the anti-smoking group Legacy, argues that the poor would be the ones most affected by the higher premiums, since many cannot afford medication or patches to help them quit smoking.
Six states, plus Washington, D.C. have decided that smokers’ insurance premiums will not rise. Unfortunately, while California, Vermont, Massachusetts, New York, New Jersey, and Rhode Island have announced that smokers and non-smokers will have a 1:1 premium ratio, many other states are not joining them. This means that if you are a smoker living in one of the states not listed above, you could be slapped with a higher insurance premium.
As if it already wasn’t expensive enough for you to buy cigarettes, now your insurance will be going up too! Add that to the negative health effects of smoking and it’s easy to see that now is the time to quit. Here are some tips that can help you break the habit.
- Nicotine Replacement Therapy
You can buy nicotine gum or patches without a prescription. Nicotine nasal sprays are available and require a prescription, but are faster acting than non-prescription treatments.
- Prescription Drugs
If you don’t want to use products that contain nicotine, there are always prescription drugs that can help. Some of the popular name brand drugs that are available include Wellbutrin and Chantix. These drugs do require a prescription, but fortunately, they, like every other FDA approved drug, can be gotten at a reduced price with Discount Drug Network’s free prescription discount card.
- Stress relief methods
The stress of quitting smoking is often too much for many people. However, methods such as yoga and tai chi have been shown to help reduce the stress that is associated with quitting smoking.
- Get rid of the smell!
Just a hint of tobacco scent can drive you mad with desire for a cigarette. Make sure to clean your house thoroughly: wash blankets and sheets, steam clean rugs and sofas, and use air fresheners when necessary.
- Get out and about!
Exercise is a great stress reliever! Depression and stress often come hand in hand with quitting smoking, so it is very important to avoid them. Getting out in the sunshine and being active is the best way to naturally deal with stress.