The Navigator Resource Guide has not been updated for 2025 Open Enrollment. For more current information please visit:
cms.gov/marketplace/in-person-assisters/information-partners.

Navigator
Resource Guide

On Private Health Insurance Coverage & The Health Insurance Marketplace
QUESTION

What happens if I take up smoking after I bought the policy?

Individuals with no coverage | Comparing Plans: Benefits and Costs |
ANSWER

You would be subject to the tobacco surcharge when you renew your Marketplace plan the following year. (“Patient Protection and Affordable Care Act; Health Insurance Market Rules; Rate Review,” 78 Fed. Reg. 13406 (Feb. 27, 2013).)

Related Tags

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues