My employer offers a smoking cessation program for smokers like me but I didn’t join it when I had the opportunity earlier this year, and now I have to pay more for my premiums. Can I join the program later and get my premiums decreased?

Probably not. If you were given a reasonable opportunity to enroll in a smoking cessation program when your coverage started and you turned it down, your plan isn’t required to lower your premiums for the rest of the year if you join the program now. However, your plan can choose to do that, or give you other rewards, if you join late. (45 C.F.R. § 146.121.)