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As enacted in 1996 by a Republican Congress and a Democratic President, the HIPAA nondiscrimination rule specifically provided that it was not to be construed to prevent plan sponsors from establishing premium discounts or rebates or modifying otherwise applicable copayments or deductibles in return for adherence to programs of health promotion and disease prevention. The Bush Administration issued regulations implementing the wellness plan exception in 2006, and those regulations were largely codified by the Affordable Care Act (ACA) of 2010

And from the American Journal of Clinical Nutrition, which reported that: The chemicals in cigarette smoke cause inflammation throughout the body, which may decrease the effectiveness of insulin

In fact, marijuana is the most frequently used substance among drinkers

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Additionally, when travelling with electronic cigarettes and other vape products, make sure you know what the cruise ship policies