Not that many T65 tobacco users but I believe MOO and UHC charge a tobacco rate. Some carriers will give T65 non-tob rates.
And the pre-ex thing when T65 does not have prior creditable coverage. Some carriers impose an exclusion for p-x, some do not. I started a thread about p-x. Might want to search for it. Several folks chimed in about which impose a p-x limit. Believe UHC does. Don't recall if MOO was mentioned or not.
With the price of Obamacare policies (not subsidized) I am seeing more people than normal that have been going bare.
I had not even considered the p-x for T65. I guess I just wrongly assumed that T65 kind of reset things. I'm going in search of the thread. Thanks for the direction.
And I haven't run across a lot of smokers but I've had a few. Who are a couple of carriers that have non-tobacco rates?