Asking a question here for the smart ones we have onboard!

[yellowdogintexas]

14. Insurance plans already increase premiums and deductibles for smokers

These are big plans and it is something the company's benefits committee will work out with the carriers. It may be that increasing premiums and deductibles is the only option. However if it can be done the way the OP suggested, some carrier/employer team will try it. State insurance law has to be taken into consideration.

At benefit selection time, most of these large employers offer more than one plan, and most folks choose based on deductible and premium costs and not the approved services, or network availablilty. A good friend switched plans based on price and a necessary service was denied -her former plan had covered it. She blamed "ObamaCare" so I had to explain it was her employer's fault.