Quote Originally Posted by speedminded
I've seen several life insurance companies do swab tests for tobacco usage, me included. I'm not sure about health insurance though...
Life insurance and health insurance are 2 completely different animals though. They have a completely different set of rules to guide risk management and premiums.

Quote Originally Posted by speedminded
I see no reason why the FDA would not regulate anything a person intakes.

Nor do I. If you ask me, tobacco and alcohol fall definitively within the scope of the FDA.