With the Pfizer vaccine recently approved by the FDA, a lot of people are wondering: Can health insurance companies raise rates on the unvaccinated?

Can Health Insurance Companies Raise Rates on the Unvaccinated?

In this guide, we’re going to look at whether health insurance rates are going to go up for people who choose not to get the vaccine. We’ll also look at how the new federal vaccine mandate could affect health insurance rates for group plans.

Q: Will Health Insurance Companies Raise Rates on Unvaccinated People?

The short answer is no, health insurance companies cannot increase premiums for the unvaccinated. The ACA as well as other federal rules specifically prohibit health insurance companies from charging more for people who choose not to get the vaccine.

However, the ongoing COVID-19 pandemic could have other effects on your coverage. If you are enrolled in a group plan or if you are hospitalized for COVID, you could end up paying more than you anticipated.

Q: Can employers raise health insurance premiums for unvaccinated workers?

Yes, employers can legally require unvaccinated workers to pay more for group health insurance.

Through wellness programs, companies have a legal way to provide both penalties and incentives to their workers. This means that it’s entirely possible for a company to add a surcharge for employees who are not vaccinated.

In fact, some companies have already put penalties like this into place. Delta Airlines, for example, is charging unvaccinated employees an additional $200 per month for their group coverage.

If you’re currently enrolled in a group plan with your employer, ask about which penalties or incentives might exist regarding the vaccine. In addition to the vaccine mandate, a lot of group plan rates are changing as a result of rising COVID costs, regardless of vaccine status.

Compare Pricing on the Best Insurance Plans Available


Q: What should I do if my employer is raising rates on unvaccinated workers?

During the beginning of the COVID-19 pandemic, health insurance companies offered waivers that covered the cost of a significant portion of treatment. Now that these waivers are beginning to expire, the cost of COVID hospitalization is going up dramatically.

As a result, many employer-sponsored plans are getting more expensive. If you find out that your rates are going up, or you decide that you don’t want to deal with your employer’s vaccine restrictions, there are other options available.

For example, healthcare sharing plans are a fraction of the cost of unsubsidized insurance. But even better, they’re operated by private, faith-based communities that will never increase prices because of vaccine status.

Looking for a Lower Premium? Health Insurance Open Enrollment Begins November 1st

Even without COVID-19, health insurance rates are notorious for going up and down every year. Open Enrollment is an annual opportunity to change into a plan with better rates, even if your coverage remains the same.

Starting November 1st, you can schedule a no-cost appointment with your Personal Benefits Manager for Open Enrollment. Whether you need new coverage, a cheaper plan, or you’re considering switching to Healthcare Cost Sharing, we can help.

Click here to schedule a consultation, or call 800-913-0172.

Here are some additional articles on healthsharing programs: 6 Interesting Facts About Health Sharing Plans | How to Pair a Health Sharing Plan with your Direct Primary Care (DPC) Membership

Disclaimer: The information in this blog is designed for general information purposes only. For the most accurate and updated guidance for COVID-19, visit the Centers for Disease Control and Prevention website. If you’re looking for more information about how COVID-19 might affect your employee rights, the Department of Labor’s Coronavirus Resources page is a good place to start.

Would you like a Free Healthshare Quote?