One-two punch: Employer-based smoking cessation programs give smokers extra power to kick the...

Already socially barred from restaurants, public buildings and planes, smokers increasingly also are paying a high financial price to maintain the habit - with higher health insurance premiums, and in some cases, with their jobs. The overwhelming majority of smokers are aware of the health, financial and social consequences and want to quit, yet most have been unsuccessful.

Although some employers are taking a hard line against smokers - raising premiums or terminating employees who continue to smoke (see sidebar), others are opting to follow the old adage, "You catch