Yeah, I started a thread about this a while back... http://pipesmagazine.com/forums/topic/one-step-closer
Every year we have to choose what plan we want, and what is available changes just about every year. If I stick with the plan closest to what I have now, my contribution to the premium is going up between $300 - $500 a year because I'm a tobacco user. Wal-mart lumps all tobacco use together, so even if you don't smoke nails, you pay the price. Wal-mart is heading down the road to becoming a tobacco free employer, and I can see the day that I will leave the company rather than let them control my life even when I'm not on the clock.