From the Regulation: For outcome-based wellness programs, which generally provide rewards based on whether an individual has attained a certain health outcome (such as a particular body mass index (BMI), cholesterol level, or non-smoking status, determined through a biometric screening or health risk assessment), a reasonable alternative standard must be provided to all individuals who do not meet the initial standard, to ensure that the program is reasonably designed to improve health and is not a subterfuge for underwriting or reducing benefits based on health status. ** For Employees: If your employer is charging tobacco users more the non-tobacco users, ask about the "reasonable alternative standard." You do not need to quit smoking to meet this requirement
As you look at the history of vaping, you probably pay the most attention to the devices themselves
According to the CDC, tobacco manufacturers sold over 12 billion cigars, 258 billion cigarettes, and 129.3 million pounds of smokeless tobacco to distributors in 2015
Chewing tobacco or whatever name you want to call it smokeless tobacco, pinch, dip or snuff tobacco is not safer than cigarettes