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Jenny Red Eye

(53 posts) Sat Mar 28, 2015, 02:15 PM Mar 2015

A medical insurance question for those in the know. [View all]

If a medical insurance company contracts to provide medical insurance to a company's employees, is it legal for them to charge a different premium to employees based on their individual past medical experience, rather than the experience of the entire pool of employees?

Thank you very much in advance for any/all replies.

14 replies

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A medical insurance question for those in the know. [View all] Jenny Red Eye Mar 2015 OP

It's a contractual matter, elleng Mar 2015 #1

Thanks, Ellen... Jenny Red Eye Mar 2015 #2

Insurance is, by it's nature, based on the pooling of risks, elleng Mar 2015 #3

To me. "pooling" means to Jenny Red Eye Mar 2015 #4

No, you're correct, elleng Mar 2015 #5

OK. thanks a lot for the info... Jenny Red Eye Mar 2015 #6

I worked for a large company that charged smokers and overweight employees more Mosby Mar 2015 #7

Oh right! I've heard of that stuff happening quite a bit... Jenny Red Eye Mar 2015 #8

By 'premium' do you mean the employees' required contribution to their coverage each month? Princess Turandot Mar 2015 #9

You have differing rates for smokers and nonsmokers. Downwinder Mar 2015 #10

No. That is illegal under HIPAA. subterranean Mar 2015 #11

But it doesn't stop the company from charging the employee more SickOfTheOnePct Mar 2015 #14

I didn't have time to hunt (gotta head to work) pugetres Mar 2015 #12

Many thanks to each of you who replied. nt Jenny Red Eye Mar 2015 #13