Final Rule?

[VolAgent]

If ALL carriers price it in, then it will be okay. But if 1 carrier doesn't charge extra for tobacco usage, they will attract smokers, yet the overall higher rate will turn away non-smokers.

It already happens now. Look at Pru and LFG. If it wasn't for LFG's table shave program, just about all their standard non-tobacco insureds would actually be cigar smokers and dippers.