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Stoudt Advisors
September, 2011 

Contribution Differential for Tobacco-Free Members

Did you know there are rules that regulate financial incentives as it relates to wellness programs, specifically tobacco-free members?

Did you know, HIPAA nondiscrimination regulations generally prohibit Insurers and Employers from charging similarly situated individuals different premiums or applying different cost-sharing requirements based on health factors?

Did you know you do have an opportunity to offer different types of incentives to promote wellness in the workplace?

Do you know the differences between Participation-Only and Standard-Based Wellness Programs? The difference lies in whether or not the participants must comply with the requirements. Click on the links below to compare:

  • Participation Only Wellness Programs,
  • Standard Based Wellness Programs
  • 10 Things to Consider when Planning a Contributional Differential for Tobacco-Free Members.

    This information is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel for legal advice.

    Information contained in this FOCUS is accurate as of the date of this publication. We will continue to provide you with updates as they become available.


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    Connie Keares,
    Rebecca McClure,
    Shannon Clark,


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