What is the surcharge for tobacco users?

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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.

• Although the majority of states do allow insurers to impose tobacco surcharges of up to 50%, many insurers choose to use smaller surcharges or skip them altogether. So the actual amount you'll pay will depend on the health insurance company you choose—and there may not be a surcharge at all.