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Model Tobacco: Then and Now , by Marion Andretski, The Richmond Times-Dispatch, September 30, 1998.

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Meanwhile, in NEW MEXICO, Colin Baillio, project director of the New Mexico Insurance Dept, chimed in as well: Due to mounting evidence that tobacco rating in the individual market suppresses enrollment, undermines financial protection afforded by coverage, and has disproportionate negative impacts rural communities , OSI is requiring issuers to set the tobacco rating multiplier at 1.0 for all individual on-and-off-exchange plans that will be offered during the 2023 plan year