30 Second Insurance Tips©

Tip 113- Who Is Underwriting Now?

Is your body mass index over 30? Do you have high blood pressure? Do you smoke?
Check out the April 6‐7 Weekend Edition of The Wall Street Journal. Under the headline “Shape
Up or Pay Up” we learn about employers who are requiring certain employees pay higher
premiums based on health risk factors.

That’s interesting. Especially so, since beginning in 2014, health insurers will no longer be
allowed to assess risk or charge higher premiums based on pre‐existing conditions. So now
employers can?

And consider this. Deductibles, coinsurance and other cost sharing plan design features already
create financial incentives for life style changes. Apparently those don’t work, thus the need to
double down.

Is it any wonder some employers don’t know what to do!