You may be familiar with or have a tobacco surcharge – a common premium surcharge leveraged by employers to help mitigate health care costs resulting from tobacco use. Now, some employers are looking at similar surcharges for unvaccinated employees along with not paying for sick time for a COVID-19 diagnosis. There could be ramifications related to how premium surcharges could affect the affordability of an employer's health plan according to the Affordable Care Act (ACA).
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