Should employer-based health plans now jack up rates on the unvaccinated?

[Ms. Toad]

28. The category is smoking, not "personal choice to put your own well being at risk"

You'd have to change the law.

Under the health care law, insurance companies can account for only 5 things when setting premiums.

Age: Premiums can be up to 3 times higher for older people than for younger ones.

Location: Where you live has a big effect on your premiums. Differences in competition, state and local rules, and cost of living account for this.

Tobacco use: Insurers can charge tobacco users up to 50% more than those who don’t use tobacco.

Individual vs. family enrollment: Insurers can charge more for a plan that also covers a spouse and/or dependents.

Plan category: There are five plan categories – Bronze, Silver, Gold, Platinum, and Catastrophic. The categories are based on how you and the plan share costs. Bronze plans usually have lower monthly premiums and higher out-of-pocket costs when you get care. Platinum plans usually have the highest premiums and lowest out-of-pocket costs.

https://www.healthcare.gov/how-plans-set-your-premiums/

Which one of the five factors allow insurance companies to charge more for vaccination status?