--- title: ACA Surcharge Goes Up in a Cloud of Smoke description: ACA Surcharge Goes Up in a Cloud of Smoke --- - [724-717-6004](tel:7247176004) [![Getting Started is Easy](https://no-cache.hubspot.com/cta/default/6680537/4daca9d5-4d43-4aac-bdcd-30d781af3c89.png)](https://cta-redirect.hubspot.com/cta/redirect/6680537/4daca9d5-4d43-4aac-bdcd-30d781af3c89) [tel:7247176004](tel:7247176004) [![](https://www.kuzneski.com/hs-fs/hubfs/Kuzneski%20Logo.%20Final-2.jpg?width=1441&height=282&name=Kuzneski%20Logo.%20Final-2.jpg)](https://www.kuzneski.com) - [ARE WE A FIT?](https://www.kuzneski.com/are-we-a-fit) - [EMPLOYEE BENEFITS](https://www.kuzneski.com/services/employee-benefits) - [HR & COMPLIANCE](https://www.kuzneski.com/services/hr-compliance) - [PAYROLL & HRIS](https://www.kuzneski.com/services/payroll-hris) - [BUSINESS INSURANCE](https://www.kuzneski.com/services/business-insurance) - [ABOUT](https://www.kuzneski.com/about-kuzneski-insurance-group) - [ABOUT US](https://www.kuzneski.com/about-kuzneski-insurance-group) - [CAREERS](https://www.kuzneski.com/careers) - [INTERNSHIPS](https://www.kuzneski.com/internships) - [LEARN](https://www.kuzneski.com/blog) - [BLOG](https://www.kuzneski.com/blog) - [Compliance Webinars](https://www.kuzneski.com/compliance-webinars) - [ARE WE A FIT?](https://www.kuzneski.com/are-we-a-fit) - [EMPLOYEE BENEFITS](https://www.kuzneski.com/services/employee-benefits) - [HR & COMPLIANCE](https://www.kuzneski.com/services/hr-compliance) - [PAYROLL & HRIS](https://www.kuzneski.com/services/payroll-hris) - [BUSINESS INSURANCE](https://www.kuzneski.com/services/business-insurance) - [ABOUT](https://www.kuzneski.com/about-kuzneski-insurance-group) - [ABOUT US](https://www.kuzneski.com/about-kuzneski-insurance-group) - [CAREERS](https://www.kuzneski.com/careers) - [INTERNSHIPS](https://www.kuzneski.com/internships) - [LEARN](https://www.kuzneski.com/blog) - [BLOG](https://www.kuzneski.com/blog) - [Compliance Webinars](https://www.kuzneski.com/compliance-webinars) [Health Insurance](https://www.kuzneski.com/blog/tag/health-insurance) # ACA Surcharge Goes Up in a Cloud of Smoke [Kuzneski Editors](https://www.kuzneski.com/blog/author/kuzneski-editors) / September 19, 2014 [![Share on facebook](https://7528309.fs1.hubspotusercontent-na1.net/hub/7528309/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/facebook-color.png?width=24&name=facebook-color.png)](http://www.facebook.com/share.php?u=) [![Share on linkedin](https://7528302.fs1.hubspotusercontent-na1.net/hub/7528302/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/linkedin-color.png?width=24&name=linkedin-color.png)](http://www.linkedin.com/shareArticle?mini=true&url=) [![Share on twitter](https://7528304.fs1.hubspotusercontent-na1.net/hub/7528304/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/twitter-color.png?width=24&name=twitter-color.png)](https://twitter.com/intent/tweet?original_referer=&url=&source=tweetbutton&text=) [![Share on pinterest](https://7528311.fs1.hubspotusercontent-na1.net/hub/7528311/hubfs/raw_assets/public/mV0_d-web-default-modules_hubspot/img/pinterest-color.png?width=24&name=pinterest-color.png)](http://pinterest.com/pin/create/button/?url=&media=) Do you use any form of tobacco?  I know, it seems like a personal question to ask, but chances are good that if you are a small employer this is a task you have been faced with in the recent past.  Many say it is an invasion of privacy and a vast number of people refuse to answer, but due to regulations in the affordable care act, you have to ask.  Or at least you did.  The word on the street is that beginning in 2015, there will no longer be a separate tobacco user rate.  While those that have had to go through this process finish celebrating – let’s take a minute to catch everyone else up.  One of the many changes associated with the Affordable Care Act (ACA) is that health insurance issuers are *permitted* to implement a tobacco use surcharge of up to 50% higher than the non-tobacco user rate.   Beginning in 2014, all of our local carriers jumped on the tobacco surcharge bandwagon and rated tobacco users at a higher premium.  The problem with this is in identifying tobacco users.  It is all up to the individual to self report their tobacco status and therefore there is no way for any insurance provider to confidently charge all tobacco users a higher rate.   The carriers have begun to learn that this is not a regulation they can enforce, and some saying that they will not be rating for tobacco in the future.  For right now, we have one carrier that has confirmed this – United Healthcare.  There have been whispers from others, but nothing official – so stay tuned. ### [Kuzneski Editors](https://www.kuzneski.com/blog/author/kuzneski-editors) From time to time there is a blog post or story written that no one wants to take credit for. When this happens, Kuzneski Editors gets credit for the content! Rest assured, our business entity can not create or write content without human assistance. Know that one our of friendly staff is behind this post but they are too modest to take credit for it. 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