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The law permits employers to use the wellness plan exception to reward non-smokers because, as a matter of public policy, lawmakers have decided that employers should be able to impose higher costs on tobacco users because they account for a disproportionate share of overall claims which in turn leads to higher premiums for all participants in employer-sponsored group health plans

Leveraging Wellness Tools Smoking cessation is an important dimension of broader wellness efforts

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Many smokers may want to replicate the smoking quality of their favorite brand or modify it by making their cigarettes burn faster, last longer, or feel a bit stronger

Find out more about the 45 and Up Study here .