Want to lower your premiums? Try a smoking cessation class.

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PancakeMonster
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Want to lower your premiums? Try a smoking cessation class.

Postby PancakeMonster » Sat Nov 24, 2012 7:44 pm

The health-care law also allows insurers to charge tobacco users 1.5 times as much as non-smokers, a higher rate generally meant to cover the higher costs incurred from smoking-related diseases. These new regulations propose one exception to that: It would prohibit insurers from levying the full surcharge if the individual enrolled in a smoking cessation program. “Rather than have the tobacco use surcharge…be strictly a negative financial incentive,” the regulation notes. “This approach would encourage tobacco users to pursue tobacco cessation remedies offered under their employers’ wellness programs, enhancing their long-term health and potentially reducing health care costs.”
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