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subterranean

(3,775 posts)

11. No. That is illegal under HIPAA.

Reply to Jenny Red Eye (Original post)

Sat Mar 28, 2015, 03:20 PM

Mar 2015

The Health Insurance Portability and Accountability Act (HIPAA), prohibits group health plans from discriminating against individual employees in the plan based on health status. They can raise rates for the whole group, but not for individuals.

Reference: http://www.dol.gov/ebsa/publications/yhphipaa.html
(the answer to your question is about 3/4 of the way down the page in Chapter 5)

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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