“If your spouse has HIV, don’t you think your health insurance company has the right to use that info in deciding the amount of your premium?”
I didn’t say it was either a good policy or a bad policy. I(1) said I’d never heard of it before, and (2) implied that Big Brother is intrusive.
When a government negotiates insurance premiums for a group, each individual employee is not reviewed on a case-by-case basis. At least, that was the case when I was involved in negotiations.
It’s all about the actuarial tables, or should be. The question should come down to “Who is assuming what level of risk, and for what premium?” Well......pre-ObamaCare anyway.