Which one? As soon as you pick "adult or child" then it asks if you use tobacco.
I actually think their tobacco section is a little buggy. On Chrome on Fedora 17, I wasn't able to get the tool top to pop up to see how "tobacco usage" is defined (some states define it as use within the last 12 months, some states define it as use right now).
What kind of idiot would answer yes, to questions like "Do you use Tobacco?" or "Do you use marijuana?" when applying for health care?
Ethical people, and people who don't want to be bankrupted after paying for health insurance when that insurance doesn't pay out after discovering you lied on the application.
See my answer below.
The kind that thinks his benefits will be denied when the insurer finds out he lied on his application.
If I have to penalized for smoking the occasional pipe of tobacco, then I want people to be penalized for buying groceries from Wal-Mart, eating GMOs, anything with high fructose corn syrup in it, and not taking the elevator instead of the stairs for a few flights.
It's not ethical to let yourself be gouged by unethical rules.
No, but if you lie on the application and the insurance company finds out, they're going to drop coverage, and may go after you for insurance fraud.