I've recently been searching for new health insurance (I am self employed, so must provide my own.)
Unfortunately, it seems like insurance underwriters have gotten smart and instead of asking about smoking, they ask if I've used any "nicotine products" in the last 12 months.
Seriously, I am the healthiest person I know despite being a long-time heavy smoker; and almost all of my friends/family are non-smokers (but without exception everyone I know in my 50s age range is dealing with at least one chronic condition, if not several.) I think I have my mother's genes...she turns 80 next month and still does yoga and headstands and hikes. I take no medications, all my joints are just fine, I'm thin, strong, routine health exams consistently show everything is normal, I feel good physically, etc. The only thing I've visited doctors for in the last decade are annual female-type exams and one visit to get good pain meds for a bad-back episode. The last non-routine visit before that was in 1994 to have a chunk of drywall removed from my eye...18 years ago.
Soooo....I've been fibbing and saying I'm a non-nicotine user. Nothing in my medical history in the past few years indicates I smoked, or, now, vape. I refuse to be truthful just to take a stand. Health insurance companies have made a ....-load of money from me and will throw me or any of us under the bus if we become bothersome and they can get away with it.