How do insurance companies calculate my health risk and rates if I am a college athlete who occasionally vapes?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do insurance companies calculate my health risk and rates if I am a college athlete who occasionally vapes?
1 real search · 1 real-search pass
ACA health insurance tobacco rating vaping nicotine surcharge rules California individual market life insurance vaping underwriting nicotine testingGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
ACA health insurance tobacco rating vaping nicotine surcharge rules California individual market life insurance vaping underwriting nicotine testing Google ↗
- dmhc.ca.gov · dmhc.ca.gov
- Market Rating Reforms · cms.gov
- Vaping and Life Insurance: What You Should Know · moneygeek.com
- Non-Smoker/Non-Nicotine Qualifications · producer.mutualofomaha.com
- Life Insurance for Smokers and Tobacco Users + Current Rates · nerdwallet.com
- Life Insurance for Vapers · policygenius.com