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From the Regulation: For outcome-based wellness programs, which generally provide rewards based on whether an individual has attained a certain health outcome (such as a particular body mass index (BMI), cholesterol level, or non-smoking status, determined through a biometric screening or health risk assessment), a reasonable alternative standard must be provided to all individuals who do not meet the initial standard, to ensure that the program is reasonably designed to improve health and is not a subterfuge for underwriting or reducing benefits based on health status. ** For Employees: If your employer is charging tobacco users more the non-tobacco users, ask about the "reasonable alternative standard." You do not need to quit smoking to meet this requirement

But sometimes, accidents happen

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The illicit tobacco market here has already grown due to the high price of tobacco

I am at 24 nicotine still but dont smoke anymore

Tobacco vs Nicotine Tobacco contains numerous chemicals, none more well-known than nicotine