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Vaping's Effect On Your Health Insurance

One of the most common questions people have about vaping is how it is going to affect their health insurance. After all, insurance companies have a way of drastically increasing the cost of coverage as soon as they find out a person's doing anything other than eating right and exercising. Even then, a health insurance company might increase the premium due to an accident risk for people who like to jog or ride bikes. Due to this, it really is important to simply tell the insurance company as little as possible. So, with this train of thought, it's possible to avoid any sort of increase on health insurance at all. 

When switching health insurance providers, the insurance agent is going to usually ask a few general health questions. This might range from diet to amount of exercise and activities a person likes to do. An individual does not need to tell the insurance company they are using a vaporizer or MOD. If they're asked if they smoke, a person can say no. After all, vaping isn't smoking. And while nobody condones lying, should an insurance agent ask about vaping, hence there's no reason to tell them definitively that an individual does use it. It's not the insurance company’s duty to see what a person is doing throughout the day. So, there's no reason for the insurance company to even know about this. 

Now, let's say the insurance company does find out about you using a vaporizer. What's going to happen? It just depends currently as most insurance companies are waiting on a clear FDA definition of vaping. It can basically go one of two ways. First, if the FDA classifies it in the same category as other tobacco and smoking products, your insurance company is going to treat it as if you are smoking, meaning your premiums and everything else goes up (and if you have life insurance, that is going to become more expensive). However, if it's classified as a smoking cessation, then your insurance company may not charge anything different.

Ultimately, it is going to come down to the insurance provider and the FDA.