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Can You Add a Tobacco Surcharge? SBAM Small Business Association of Michigan Tobacco Surcharges Tobacco Cessation M3 Insurance Health Insurance Costs by U.S. State in 2026. Premiums are often highest in smaller, rural or northeastern states with older populations and fewer insurers and lower in some competitive markets or higherincome Reassessing insurance coverage and fiduciary exposure as tobacco surcharge litigation risks grow Lockton ACA's tobacco surcharges reduce smokers' insurance take up, but do not increase smoking cessation, study finds Yale News The Human Costs of Tobacco Use New England Journal of Medicine
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