Banzhof would not lie!!!!

Insurance companies employ a large number of people who go around
figuring out risks and rates. These companies are in it for the
profits,after all.

This quote by Banzhof is excerpted from the linked article.

Thus;Banzhof is proving that these companies do not consider smokers
to be at extra risk for diseases or an extra expense due to needing
more care.
Gary K.

http://www.medicalnewstoday.com/medicalnews.php?newsid=73174
Professor John Banzhaf, Executive Director of ASH, notes:
"Generally, since most health insurance companies charge smokers the
same rates and provide them with the same benefits,"