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Wellmark competitor CoOportunity Health imposes a 49 percent smokers' surcharge on its individual insurance policies

This seems strange in a state that recently legalized recreational marijuana, but nanny states don't always make logical sense, do they

The premiums paid into the policy pay for the life insurance death benefit, while a portion of the premium goes into a tax-deferred savings account called the cash value. The cash value earns interest and dividends, increasing the cash value over time

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Stepping inside a great hookah shop