Vote Yes on this bill if you want insurers to be able to charge tobacco users up to 50% more, keep limits on age and geography, require public hearings and quarterly reports on big area price gaps, and potentially reduce costs for non-users starting in 2027.

Organizations that support this bill may include public health and anti-tobacco groups, some health insurers and employer coalitions, and consumer or taxpayer advocates seeking lower premiums for non-tobacco users and more pricing transparency.

Vote No on this bill if you want to prevent higher premiums for tobacco users, avoid creating financial barriers to health coverage, and reject pricing that varies by tobacco use even with added oversight.

Organizations that oppose this bill may include tobacco industry groups, civil rights and anti-poverty organizations concerned about affordability and fairness, and patient advocates worried that smokers will forgo coverage or care.