Did Your Employer Charging You Extra Health Insurance Fees for Smoking or Vaping?
Photo Credit: Unsplash | Published: May 2, 2025
Claim Form Deadline: Ongoing
Estimated Payout: Varies
Proof required: Yes
Is Your Employer Charging You Extra Fees for Healthcare
Do you smoke or vape? Did your former or current employer charge you extra fees (or "surcharges") for your healthcare or insurance premium because you smoke or vape? If so, you might be eligible for significant compensation. An investigation is ongoing into whether employers have been charging employees extra fees for their health insurance policies. Common surcharges for employer-provided health insurance may include:• Nicotine, Tobacco use, or Vaping
• Tobacco-use or nicotine-use surcharges are common, with employers charging smokers higher premiums. Surcharges of $50-$100 per month have been typical.
• Some employers have implemented surcharges of $50-$100 per month, or more, for employees who smoke cigarettes, or vape.
How Do I Qualify?
You may be asked the following questions to pre-qualify:• Do you smoke or vape?
• Do you currently or did you formerly get health insurance coverage via your employer?
• Do you currently pay a nicotine surcharge or extra fees or a higher premium for coverage due to smoking or vaping?
There is no out-of-pocket cost to join the investigation, and a potential payout to you can be substantial, pending a victory and the court, or the Judge approving.
Can I Still File a Claim?
This class action settlement and original data breach investigation is closed to new claims as of April 2026.Class Actions: Find Settlements
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How Do I Find Class Action Settlements?
Find all the latest class actions you can qualify for by getting notified of new lawsuits as soon as they are open to claims:
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