Health insurance rates are based on the costs associated with proving treatment for the group in question. If half of the group starts engaging in risky behavior, then — surprise, surprise — rates increase for the entire group.

Regardless, when vaccines get full FDA approval after the EUA, then it’s likely health insurance companies will do one of two things: base continued coverage on vaccination; or treat non-vaccination status as a high-risk activity and raise rates, premiums, and co-payments accordingly.

I’d probably go for the later option, but either way, it’s free-market capitalism at work.