A modest incentive

I believe current Federal policy covers medical costs for COVID-19 testing and treatment. If we slightly adjust such policy such that only vaccinated or those allergic to ingredients or medically ineligible are covered, then I think perhaps it might be another incentive to get vaccinated. Of course, this should go into effect after the FDA makes the vaccines standard use not emergency use and perhaps 2-4 months after so.

Breakthrough cases would still be covered. People herd immunity is designed to protect would be covered.

People objecting to the vaccine for some conscientious reason would face getting the shot or a hospitalization that could bankrupt them. If they truly believe this is overblown nothingburger, then they can bankroll that bet.


  1. Looks like insurers are starting to do this. https://www.forbes.com/sites/roberthart/2021/08/19/the-cost-of-being-unvaccinated-just-went-up—most-insurers-are-passing-costs-back-to-patients-as-covid-hospitalizations-soar/
    “With highly effective coronavirus vaccines available and hospital admissions soaring, many Covid-19 patients are facing bigger bills as most insurance companies have ended waivers on out-of-pocket costs that they introduced earlier in the pandemic, according to the Kaiser Family Foundation, a cost that will be primarily borne by the unvaccinated people more likely to require hospital treatment.”

  2. Delta Air Lines is raising health insurance premiums for unvaccinated employees by $200 a month to cover higher Covid costs https://www.cnbc.com/2021/08/25/delta-air-lines-unvaccinated-employees-will-face-200-fees-if-they-dont-get-covid-vaccine.html

    “The average hospital stay for COVID-19 has cost Delta $50,000 per person,” Bastian said in an employee memo. “This surcharge will be necessary to address the financial risk the decision to not vaccinate is creating for our company. In recent weeks since the rise of the B.1.617.2 variant, all Delta employees who have been hospitalized with COVID were not fully vaccinated.”

    New employees are required to be vaccinated. Pay protection is only available to vaccinated employees.

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