​PEIA offers a premium discount on all health and optional life insurance to active and retired policyholders who verify through a tobacco affidavit that all enrolled family members are tobacco-free. 

Tobacco-free plan members subtract $25 from the premium for employee-only coverage or $50 from the employee/child, family or family with employee spouse premium. 

What constitutes tobacco use? If the product is regulated by the FDA under the 2009 Family Smoking Prevention and Tobacco Control Act, Public Law 111–31, then it is considered a tobacco product and its use is "tobacco use" under PEIA Rule(s).​​ ​To qualify for the Tobacco-free Preferred Premium for all of Plan Year 2026, you and all enrolled family members must have been tobacco-free by January 1, 2025. 

If your doctor certifies on a form provided by PEIA, that it is unreasonably difficult due to a medical condition for you to become tobacco-free or it is medically inadvisable for you to become tobacco free, PEIA will work with you for an alternative way to qualify for the tobacco-free discount. Send all such doctors’ certifications and requests for alternative ways to receive the discount to: PEIA Discount Alternatives, 601 57th St., SE, Suite 2, Charleston, WV 25304-2345.

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