My company retiree insurance as well as ACA policies charge about $200/month more for smoker status. I'm at 6mg now and working toward lower levels. I find 6mg to be easy and comforting to vape. I really think I can go lower, but some nicotine is said to be beneficial. I have to wonder if people who are prescribed nicotine patches by their doctor to improve memory are subject to higher insurance rates. It's a drug to control a condition, for pete's sake!