Employer-sponsored health insurance must cover tobacco cessation as a preventive service without prior authorization for treatments and no cost sharing. Tobacco users may be charged up to 50% more for insurance premiums compared to non-tobacco users. However, employers must provide a reasonable alternative program. Common reasonable alternative programs are smoking cessation programs that include behavioral counseling combined with medication support.
Coverage is considered compliant with ACA standards if the following are covered without cost-sharing or prior authorization:
Arizona Prevalence Data and Costs:
Costs of Tobacco for Employers and ROI:
United States Department of Labor. Frequently Asked Questions about Affordable Care Act Implementation. May, 2014.