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According to a 2022 paper, the risks of smoking herbal cigarettes include: Carbon monoxide exposure: The smoke from tea and other tobacco-free products contains carbon monoxide

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Some plans might refer to the lower premiums paid by non-smokers as a discount, while others might refer to the higher premium paid by smokers as a surcharge. The plan also must provide a reasonable alternative standard (RAS) or a waiver of the otherwise applicable standard to achieve the reward