Question: Why is the Exchange opposed to charging higher premiums for tobacco users?
Answer: Consumer groups have advised the Exchange board that rating-up tobacco users will raise an additional obstacle (higher premiums) to a group of people who need to be insured. I think that’s a mistake. We need affordability to be job one. I believe that issuers should to be allowed to use the tobacco use rating factors (up to 50% premium surcharge) permitted by the ACA . If carriers are allowed to set their own tobacco rating factors rather than having them set by the state, premiums for all Californians will be lower.