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Health law smoking penalties could hit poor the hardest Law allows surcharges of up to 50%25 of premiums for tobacco users Opponents of the rule say higher insurance costs don%27t cause smokers to quit A recent study shows that smokers cost an extra %246%2C000 a year in health costs WASHINGTON Smokers and chewers in some states may have to pay as much as 50% more in premiums than non-smokers if they sign up for insurance through state health exchanges that open next month, according to provisions in the Affordable Care Act

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