Why does IBC collect member-level information about tobacco use?

Under the Affordable Care Act (ACA), premium rates for health insurance coverage in the individual and small group markets may be based on family size, geography, age and tobacco use.
In order to follow with this guideline and accurately rate each group, Independence Blue Cross (IBC) collects member-level tobacco use information to create group premiums for new and renewing group customers.

Click the link below to download the IBC document that covers the most common questions about rating tobacco users in small group in PA.

Tobacco Status For Small Group Customers Flyer