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The wellness programs were never about changing behavior or making people healthier. They're about satisfying actuaries to reduce the cost of insuring more heal
by curun1r 10y ago
The wellness programs were never about changing behavior or making people healthier. They're about satisfying actuaries to reduce the cost of insuring more healthy individuals. Determining how much someone's health care premium should be depends on assigning them to a risk pool. The more data you have on that person, the more nuanced you can make that assignment. These wellness programs gather that data and appropriately discount the health insurance premiums of lower-risk employees. That they may change a few people's unhealthy behavior would just be a bonus.
I've never seen a problem with that. I do believe that everyone should have the right to health care, but I don't think that everyone should have the right to health care at the same price. If people are actively making choices that make them, statistically speaking, more costly to insure, why shouldn't they have to pay more as a result?