In most states, yes. Generally, an insurer can charge as much as 50% more for a person who uses tobacco products. For example, if the premium for somebody your age (before any tax credits are applied) would otherwise be $200 per month, if you are a tobacco user your premium could be increased to $300 per month.

Some states prohibit insurers from applying a tobacco surcharge: California, Connecticut, District of Columbia, Massachusetts, New Jersey, New Mexico, New York, Rhode Island, Vermont, and Virginia (2024 and 2025 only).

Some states have limits on tobacco surcharges: Arkansas (20%), Colorado (15%), and Kentucky (40%).

Some insurers opt to charge less than they are legally allowed to.  Check with your state Marketplace or state insurance department to learn more.