this post was submitted on 29 Dec 2025
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Depends on location, age, and smoking status, and very much so. But a single person can easily pay way more than $1000 a month.
Wow, that is quite expensive. How would the insurance know whether you smoke or not?
You have to declare it before starting coverage, and if they find proof that you ever smoked, you lose insurance coverage retroactively. It's the best of all worlds for the insurance company: they get your money until you are sick, and then they get to spend as much time as they like trying to figure out when and where you didn't tell the truth. The lie doesn't even have to be related to the health condition, at all.