Could Unvaccinated Workers End Up Paying More for Health Insurance?

Could Unvaccinated Workers End Up Paying More for Health Insurance?

Workers who are not vaccinated against Covid-19 could soon be paying as much as $50 more per paycheck for their health insurance as companies across the U.S. try to protect their employees — and themselves for that matter — from outbreaks of the disease.

Although most companies are still cautious as whether to require that workers be vaccinated before returning to the office, a growing number of large employers are imposing such mandates. Some are even offering hefty financial incentives like cash bonuses! And now as sick Americans flood the hospitals again in the surge of Delta variant cases, experts are saying corporations are still debating whether to increase unvaccinated employees’ monthly health insurance premiums.

What’s their reasoning mostly? Well, workers who have yet to get the shot are at a greater risk of getting Covid-19 and a severe case of the virus could be costly for their employer, especially if it involves extended hospitalization.

Of course, there are many who don’t agree with this direction at all, however there’s already been a precedent for raising insurance premiums on individuals who are deemed a greater health risk. Like smokers, for example, who are more likely to pass away from cancer and tend to face higher health costs than non-smokers.

The takeaway companies are trying to show is that personal choices have financial consequences. With Covid-19, the decision not to take a vaccine doesn’t become a personal decision anymore; the consequences push far past the individual.

While only a few companies have imposed the mandates to be vaccinated for work, more employers are expected to make the transition once the vaccine receives full approval from the FDA, which just happened last week.

Do you need to find health insurance to make sure you’re properly taken care of? Give us a call — we’re the number one health insurance agency in Coral Springs and Parkland for a reason! 🙂

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