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How Smoking Affects Your Health Insurance Premiums William Rademacher Agency, Inc. Federal vs. State: Who Sets the Rules on Tobacco Surcharges?, Did you know your health insurance premium could be affected by where you live?, While federal law may allow certain health plans to I am happy to announce that SB 630 has been signed into law! Studies show that punitive surcharges discourages tobacco users from enrolling in health insurance rather than encouraging them to quit. Evidence Suggests That The ACA's Tobacco Surcharges Reduced Insurance Take Up And Did Not Increase Smoking Cessation PMC

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