On my plan, it just costs a flat $30/mo extra if you say you are a smoker. Personally, i don't have a problem with insurers charging more based on behavior, but $30/ mo sounds radically high considering the actual health impact of smoking, which is undeniable, but not overwhelmingly bad compared to other behavior factors. It makes me think the company is soaking smoker as a profit center, purely because they feel they can get away with it based on the unpopularity and current image of smoking.