Does Your Vaccination Status Impact Your Health Insurance Premium

Does Your Vaccination Status Impact Your Health Insurance Premium

In this Covid-19 pandemic age, a question that has been popping up is whether or not your vaccination status matters when shopping for health insurance. It’s a valid question as talks of vaccine mandates swirl around places of business, live events, and government jobs.

The lowdown?  No, health insurance premiums will not go up because some is unvaccinated — however, you may need to speak with your employer about possible changes to your insurance plan. As the vaccine becomes more widely available, insurers have begun phasing out cost-sharing waivers for Covid-19 treatment, which means the vast majority of those who are unvaccinated would likely receive higher medical bills. Employers may also place a monthly surcharge on unvaccinated employees’ health insurance. Employers can offer incentive programs and can increase people’s costs if they choose not to vaccinate. A good note to remember is that the Affordable Care Act back in 2014 passed a law preventing insurers from pricing plans according to one’s health (except for smokers).

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