How many months of HIP coverage are tobacco users given to stop tobacco use to avoid a contribution increase?

Tobacco users are provided a period of 12 months to stop using tobacco in order to avoid an increase in their contribution towards health insurance premiums under the Health Insurance Marketplace guidelines. This timeframe is designed to encourage individuals to quit using tobacco by allowing them ample opportunity to do so before their premium costs are adjusted. The 12-month window reflects a balance between providing enough time for cessation efforts and the need for insurers to manage the risk associated with tobacco use.