Policy Studies Tobacco Harm Reduction

How should insurers treat tobacco use?: A review of the research

Co-published by R Street and the Heartland Institute, this paper explores a growing body of data, including several studies from the U.S. Food and Drug Administration, finding that certain tobacco and nicotine products pose lesser health risks than smoking. Given these findings, lawmakers and regulators should explore whether it would be appropriate to allow life and health insurers to apply different underwriting and ratings criteria to each group.

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