Can insurance companies in the US give a premium discount to people who get a COVID-19 vaccine?
<p>There is abundant evidence that many COVID-19 vaccines, e.g. from Moderna, Pfizer, AstraZeneca-Oxford etc., dramatically reduce morbidity and mortality.</p>
<p>They thus reduce costs to medical insurance companies.</p>
<p>Is it legal for an insurance company to pass such savings on to their customers, and give them incentive to stay healthy, by giving a premium discount to customers who get vaccinated?</p>

<p>Assuming that this is in the US, <a href="https://www.ecfr.gov/cgi-bin/text-idx?node=pt45.1.147&amp;rgn=div5" rel="nofollow noreferrer">45 CFR 147.102</a> narrowly defines what are &quot;fair premiums&quot;, and disallows higher premiums based on properties of an individual except for a few demographics such as age and address, and tobacco use. That only restricts charges &quot;in accordance with §156.80 of this subchapter for health insurance coverage offered in the individual or small group market&quot;, which is most if not all plans. For such insurance plans, vaccination-based premiums would not be legal.</p>

medical insurance covid-19