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"There are no safe tobacco products," said Matt Carpenter, a clinical psychologist and associate professor at the Medical University of South Carolina who is researching the effect of smokeless products on smoking habits

Those who use it more frequently or for an extended period may face higher premiums

14.0% of the US adult population currently smoked cigarettes

But the industrys critics counter that e-cigarette use has skyrocketed among young people, tripling from 2013 to 2015, according to a 2016 study by the Centers for Disease Control and Prevention

These surcharges, typically structured as higher premiums for employees who use tobacco, were initially designed to incentivize healthier behavior and reduce long-term healthcare costs