Reply #9: Higher premiums would be justified in a number of other situations as well.

[mrreowwr_kittty]

People who play sports should pay a higher premium, as do those who drive their vehicles more frequently than average. People who drink should pay more than teetotalers. As should those with a family history of disease. Granted, some of these things are already taken into consideration when doing underwriting but this $50 surcharge seems pretty arbitrary. Should a person who smokes 3 cigarettes a day have to pay the same premium as a person who smokes 3 packs? Why?