QUESTION

My plan wants me to participate in a health risk assessment in order to get a discount on my premium. What are my rights?

Post enrollment issues | Employer-Sponsored Coverage
ANSWER

Your employer can offer rewards or penalties to encourage employees to take a health risk assessment. As long as your employer doesn't require you to meet a health standard that the assessment will reveal, such as a target body mass index (BMI) or cholesterol level, then your employer is not limited in the rewards or penalties imposed for participation in a health risk assessment. Additionally, your employer may include a premium surcharge of up to 30 percent of the total cost of coverage for a plan enrollee who fails to get the COVID-19 vaccine. (45 C.F.R. §147.102, 45 C.F.R. § 146.121, 45 C.F.R. §146.121(f); CMS https://www.cms.gov/CCIIO/Resources/Fact-Sheets-and-FAQs/Downloads/FAQs-Part-50.pdf, Oct. 4, 2021)

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Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues