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Thus, whether coverage is affordable is determined with the reward not included or the penalty included (except in the case of a surcharge imposed on smokers)

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For example, we work with a guaranteed issue term plan for people starting at age 18

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The tactic has [...] successfully attracted young people to smoking. Margianta Surahman Juhanda Dinata, or Gian, said the tobacco industry launched a wide variety of campaigns, promotions and advertisements to target young people