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[106] For adults and children in the hospital who require a respirator, there is no strong evidence indicating a difference between heat and moisture exchangers and heated humidifiers for preventing pneumonia

Since 2017, FDA officials had discussed e-cigarettes as a potential tool to wean adult smokers off cigarettes, but in September the FDA reversed course and warned the industry to address the problem of surging teenage e-cigarette use or risk having their flavored products pulled off the market

Read the FDA statement.

Keep in mind that premium rates for smokers and tobacco users will generally run significantly higher than those for non-smokers

First, it uses nationally representative data