I don’t have an answer, but I think it’s odd that group insurance would have a carve out penalty for individuals within the group. It tends to defeat the purpose, and perhaps there are regulations that would prohibit it.
rightwingcrazy wrote: “I don’t have an answer, but I think it’s odd that group insurance would have a carve out penalty for individuals within the group. It tends to defeat the purpose, and perhaps there are regulations that would prohibit it.”
Under the Affordable Care Act (ACA), group health plans (and self-insured employers) can charge tobacco users up to 50% more for their health insurance premiums than non-tobacco users, and when they do this it is called a tobacco surcharge.