Quote (OoSPACEoO @ 9 Dec 2021 14:33)
Your argument can't be justified. As you said insurance companies account for all the variables. Covid vaxed or unvaxed has to be included. For example most Americans get their insurance from their employers plan like hmo and ppo plans. A healthy 26 year old on no meds sees a doc once a year for checkups pays the same premium as his 60 year old counter part that's on 6 different meds and sees countless specialists and primary care doc way more often, and is getting various costly tests administered regularly. They certainly do not want to open pandora's box in charging more for unvaxed because it would open the argument for a sliding scale premium like the above example would certainly have a case for, and they certainly don't want that at any level.
I'm not following what point you are trying to make? My argument was that medical insurance companies want to maximize their bottom line, if they were able to they'd love to charge people who are unvaccinated more if the vaccine was effective in preventing Covid/lessening the severity in break through cases. If the vaccine were ineffective then the insurances companies would not have an incentive to have their customers get vaccinated. If the vaccine were actively harmful, like some conspiracy theorists purport, then they would be incentivized to prevent their customers from getting vaccinated.
You then point out most people get their insurance through work their works provide some sort of buffer from premiums being tailored to individual? I suppose that is true and would likely lead to increased premiums across the board, but presumably more for employers with lower vaccination rates, due to inability to target individuals... but I don't see how that shows my argument being unjustified?
Also why wouldn't they want sliding scale premiums & why would they be concerned about a 'pandora's box' about charging the unvaxxed more? I presume since the unvaxxed are so politically aligned they may be worried about a government response from places with GOP control, but I still don't see how that relates to how the vaccine being ineffective should mean insurance companies wouldn't care about their customers being vaccinated or charging more for unvaccinated customers when there would supposedly be no difference.