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I read an article in the news today about a clause in the health care reform act that would allow insurers to charge smokers premiums that are almost double that of the non-smoker. Even for smokers, the cost of the premium can rise according to age. The comments on this article were 'all-or-nothing' for the most part. Is it possible for insurance companies to offer a supplemental policy (like flood insurance on to your homeowner's insurance policy) for health issues that are specifically related to smoking? Would it be possible for insurance companies to charge higher co-pays to patients or pay a lower percentage for services that are related to conditions due to smoking? It doesn't seem right that, in order to have a broken leg treated, your premium be so much higher than that of other people; on the other hand, smoking is a risk, much like living in a flood zone, and the health care costs associated with smoking are a drain on the overall resources available and the rising costs in general. There seems to be some truth to both sides: it doesn't seem right to discriminate against smokers across the board when their premiums ar set; on the other hand, there are direct links between smoking and some serious illnesses -- and it's hard to not hold people responsible to some extent for the consequences of that behavior. How does Blue Cross anticipate handling this issue when it arises next January?