It's a risk premium: > Unvaccinated individuals have potential to cost the employer more from a health care spend perspective I don't know if a risk surcharge for smoking is legal in the US, private insurance in Germany can do this. If this is legal, then everything else will be too. The pushback will not gain traction until they do it with other risks too: > Overweight individuals have potential to cost the employer more from a health care spend perspective > Old individuals have potential to cost the employer more from a health care spend perspective > Female individuals have potential to cost the employer more from a health care spend perspective > ...