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Can health insurance companies charge the unvaccinated higher premiums? What about life insurers?


The current COVID-19 wave in the U.S. is mostly affecting unvaccinated Americans, who represent more than 95% of current cases of hospitalization and death.


Given the average cost of a COVID-19 hospitalization in 2020 ran about US$42,200 per patient, will the unvaccinated be asked to bear more of the cost of treatment, in terms of insurance, as well?


We asked economists Kosali Simon and Sharon Tennyson to explain the rules governing how health and life insurers can discriminate among customers based on vaccination status and other health-related reasons.


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