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===Premium charged for “Smokers – more than 1 pack a day” in different health classes===
* In this category too, maximum difference between the premium charged for men is 49% while that for women is as high as 77%.<br>
===Premium charged for “Nicotine patch users” in different health classes===
[[Image:NS combinednew.jpg|center|600px]]
===Average variation of premium for smokers across health classes compared to premium charged for the Health Class===
[[Image:S combinednew2.jpg|center|600px]]
* In AIG, monthly premium for men who smoke more than 1 pack of cigarettes a day remains constant at $413 in all health classes.
* In AIG, monthly premium for women who smoke more than 1 pack of cigarettes a day in the Best health class is $219 which increases by 34% to $294 for all other health classes.<br>
==Points to note==
* This study incorporates only five insurance companies because of the constraint of data availability.
* The study is limited only to the state of California; however, it was observed that the premium charges in other states were similar to those in California.
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