A medical insurance question for those in the know.

[Princess Turandot]

9. By 'premium' do you mean the employees' required contribution to their coverage each month?

Insurance companies hired by an employer don't usually charge premiums to individual employees.

If you're referring to the employee contribution, I think that employers can and do make such distinctions, if they are based on accepted/known risk factors that are (theoretically) controllable by the individual, such as smoking/nonsmoking. Are you saying that such cost sharing varies based on each person's condition? i.e. An employee with a chronic condition such as MS, that needs a lot of health/pharmacy services, is individually required to pay more? I don't know if that's legal or not.