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Its the wellness program rules that allow employers to differentiate employee premium based on tobacco use, but only if all of the following five requirements are met: Plan participants must have an opportunity to qualify for the incentive (i.e., avoid the tobacco surcharge) at least once per year

2 Centers for Disease Control and Prevention: Fast Facts and Fact Sheets, Smoking and Cigarettes (accessed October 27, 2022): cdc.gov/tobacco/data_statistics/fact_sheets/fast_facts/index.htm

In this comprehensive guide, we break down myths, risks, scientific facts, ingredients, long-term implications, and what experts really say

1 Corinthians 10:13 says, " No temptation has overtaken you that is not common to man." But the verse doesn't stop there