All of us that plan to get the vaccine when it is safe to do so and our turn comes up, will eventually be protected. As long as Covid is circulating and you don't get the vaccine, it is vicious enough that sooner or later it will probably find those not protected. (Also continues to give it running room to continue to evolve into even more virulent strains which folks keep forgetting about). But if you are an health insurance company, given the long term, high cost hospitalization associated with the disease, are you going to really cover people that could have been protected by a vaccine but just said no? Similarly, you lose your life to it, your life insurance company want to be paying out early? Of course there are the larger societal issues as well but I think it will be interesting over the next six months to a year how the discussion goes. As I worked for an employer where you refusing to get a flu shot unless it was medically contra-indicated was an immediate firing offense, I can see some hard discussions coming around the Covid vaccine.
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