Here's a good reason to get going on those New Year's resolutions: Both losing weight and quitting smoking will have a nice effect on your health insurance premium.

It's no surprise bad habits hurt your wallet as well as your health, but an ehealth report finds just how much more smokers and overweight people pay for their health care.

According to the data, policyholders in the 'obese' BMI category pay an average monthly premium 22 percent  higher than those in the 'normal' BMI category ($169 compared to $207). It's even higher for obese men, who pay 29 percent higher than men of a normal weight.

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