FORT WAYNE, Ind. (WANE) – More than three million Hoosiers have received at least one dose of the COVID-19 vaccine. Since Hoosier’s will be able to purchase health insurance during the enrollment phase in less than a month, many are wondering whether taking the vaccine will affect your premium.

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Do unvaccinated people have to pay more in the fall if they take out health insurance? So far the answer is no.

Currently, providers don’t change rates if you have the vaccine or if you decide not to have a vaccine. This is due, among other things, to the Affordable Care Act passed in 2014, which prevents insurers from calculating tariffs based on health, with one exception: smoking.

Can health insurance companies demand higher unvaccinated contributions? What about life insurers?

“There’s really no way for health plans to know whether or not someone has gone to the pharmacy, or if you can get it” [the COVID vaccine] by the health department so the rewards are not based on your COVID vaccination, ”said Julie Daftari, MD. “It doesn’t generally depend on whether or not you have had COVID. So they are really relevant when it comes to the price you will pay. “

Unvaccinated people may have to pay more for health insurance

This does not mean that employers are considering increasing the tariffs. Starting November, Delta Airlines will charge unvaccinated employees an additional $ 200 for the company health plan as it cites the high cost of COVID hospital stays.

If you have any questions about your health insurance, experts say you should speak to your health insurance company. Registration for health insurance begins on November 1st and ends on December 15th.