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The employers coverage must also meet a minimum value standard that requires the plan to provide substantial coverage for physician services and for inpatient hospital care with an actuarial value of at least 60 percent (meaning the plan pays for an average of at least 60 percent of all enrollees combined health spending, similar to a bronze plan)

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It has created a five-factor test to help employers develop wellness programs that comply with ERISA wellness incentive rules and allow employers to impose a tobacco surcharge on employees who use tobacco

I've now learned stopping it cold turkey, and being told I was done with withdrawing in less than 5 days was wrong

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Whats in the interest of state-owned tobacco industries isnt necessarily in the interest of the country itself, said Gary Fooks, a political sociologist at the University of Bristol in the United Kingdom