Will Use of E-Cigarettes Affect Health Insurance Premiums Under Obamacare?
May 20, 2014~ Michele Andrews, health reporter for Kaiser Health News (not affiliated with Kaiser Permanente) recently used a KHN column to answer the question: Can a health insurance company charge a higher premium when a policyholder uses electronic cigarettes? The rules aren’t clear, but some insurers may try to do so. Under the Affordable Care ACt, insurers who sell plans on the individual market can take into account only four factors when determining someone’s premium: age, geographic location, family size and tobacco use. People who use tobacco can be charged up to 50% more than non smokers. Under the rules, use of any tobacco product four or more times a week on average in the past six months could subject someone to the tobacco surcharge.
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