From the Heartland Institute

Lehrer notes tobacco users are less healthy than the population as a whole, die more quickly on average, and in many cases engage in a variety of personal behaviors shown to result in policy claims. He contends an ever-growing reserve of data concerning reduced-harm tobacco and nicotine products suggests health and life insurers might consider taking into account the type of tobacco used, particularly in light of forthcoming restrictions on insurance rating in the health insurance market.

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