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Smoking introduces thousands of harmful chemicals into the body, affecting nearly every system

There was a linear decrease in adjusted mean forced expiratory volume in 1 second/forced vital capacity with years smoked over all ranges of smoking intensity ( = 0.041 0.004

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In many cases: Tobacco users may pay 20%40% more for the same policy Some carriers impose a tobacco surcharge rather than a flat rate class A few insurers may decline coverage depending on age, health, and tobacco history Unlike health insurance, long-term care insurance is medically underwritten , meaning lifestyle factors like tobacco use carry long-term pricing consequences