Earlier quoted context omitted.
> Thing is if I smoke even one cigarette like as a digestive after a big dinner once every four months I have to pay 600 dollars of extra health insurance per year because of how all this bullshit messaging about how nicotine works. Really? Where do you live? Because I'm not aware of any country that does this (other than with sin taxes on tobacco).
I live in the US and the 600 extra are binary, the question is "have you used any tobacco products in the past three months?" and a yes means an extra 600 per year. It's not that unusual if you get health insurance through your employer because it drives the cost down for everyone else, and of course scamming money off smokers even if they just casually do it a couple of times every three months is socially accepted.…
By federal law, you cannot be charged more for smoking a cigarette every four months. You can be charged more for smoking with more regularity. There is a binary cutoff, but the level isn't zero (feds have a minimum level, but states can impose higher ones.). You may want to consult a lawyer if this is something that is really happening and concerns you. Plus, you certainly should consult a lawyer before you change your answer on a the form, in case you are in a grandfathered plan or some other special case.