Vapers’ health insurance costs may rise 50% if they are classed as tobacco users.

Insurance companies use your tobacco use as a primary factor in your health insurance premium cost.

What if you’re an e-cigarette user? Do you say yes and pay more or say no and risk committing fraud?

While the federal Food and Drug Administration classifies e-cigarettes as tobacco products, it tends to be a gray area for most insurance companies.

Are e-cigarettes a nicotine alternative and cessation product, or do they pose the same health risks as traditional cigarettes, they ask.

Last year the CDC found 3.6 million middle school and high school students reported they use e-cigarettes.

As e-cigarette-using youth come of age and join individual health insurance markets, it could pressure insurers into a designation.

If designated as tobacco, you will see large increases in insurance premiums.