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FILE - In a June 11, 2007 file photo, Helen Heinlo smokes outside of a coffee shop in Belmont, Calif. Millions of smokers could be priced out of health insurance because of tobacco penalties in President Barack Obama’s health care law, say experts. The Affordable Care Act allows health insurers to charge smokers buying an individual policy up to 50 percent higher premiums starting next Jan. 1. For a 55-year-old smoker, the penalty could reach nearly $4,250 a year. A 60-year-old could wind up paying nearly $5,100 on top of premiums. (AP Photo/Paul Sakuma, File)

Associated Press
FILE - In a June 11, 2007 file photo, Helen Heinlo smokes outside of a coffee shop in Belmont, Calif. Millions of smokers could be priced out of health insurance because of tobacco penalties in President Barack Obama’s health care law, say experts. The Affordable Care Act allows health insurers to charge smokers buying an individual policy up to 50 percent higher premiums starting next Jan. 1. For a 55-year-old smoker, the penalty could reach nearly $4,250 a year. A 60-year-old could wind up paying nearly $5,100 on top of premiums. (AP Photo/Paul Sakuma, File)
FILE - In a June 11, 2007 file photo, Helen Heinlo smokes outside of a coffee shop in Belmont, Calif. Millions of smokers could be priced out of health insurance because of tobacco penalties in President Barack Obama’s health care law, say experts. The Affordable Care Act allows health insurers to charge smokers buying an individual policy up to 50 percent higher premiums starting next Jan. 1. For a 55-year-old smoker, the penalty could reach nearly $4,250 a year. A 60-year-old could wind up paying nearly $5,100 on top of premiums. (AP Photo/Paul Sakuma, File)
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