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Tobacco Surcharges: how they actually work 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. How smoking can affect your term life insurance premium Why some Iowans are lying about tobacco use Life Insurance for Smokers and Tobacco Users + Current Rates NerdWallet State policies limiting premium surcharges for tobacco and their impact on health insurance enrollment PMC
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