An employer guide to health-contingent insurance premiums

Tobacco surcharges are meant as incentive for employees to live a healthier lifestyle by ceasing tobacco use, but recently employees have been pushing back with class-action lawsuits. To protect themselves against such suits, it's critical that employers comply with regulations in the Affordable Care Act (ACA). 

Download our employer guide to learn more about: 

  • Requirements for a Health-Contingent Tobacco Surcharge
  • The Reasonable Alternative Standard — A Common Area of Concern
  • Tobacco Surcharges and the ACA
  • Practical Considerations for Tobacco Surcharges
  • Increase in Tobacco Surcharge Litigation – A Warning to Employers

Questions? Contact your Alera Group consultant.  

Download our employer guide

Tobacco Surcharges: Wellness Program Compliance Considerations 

Employers who are now offering five pharmacy tiers, an 8% increase from 2023. Pharmacy rate increases and the high costs of specialty medications continue to pose challenges for many employers.  

18%

To learn more about why these numbers are noteworthy, what our experts say they mean and how the data relates to your benefits program, download the report.

Large employers (i.e., 500+ employees) who switched to self-funding in 2024. Self-funding has grown in popularity, as employers seek cost-containment strategies.

55%

The number of the medical plans in this year’s survey who experienced a premium rate increase.

79%

Key highlights from this year's survey