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Health Insurance: COVID-19 Vaccination Status Affects Premiums

This bill allows health insurance companies to adjust premium rates based on an individual's COVID-19 vaccination status. Unvaccinated individuals may face higher premiums, but with specific limits and exceptions. The aim is to encourage vaccination and reduce healthcare costs related to COVID-19.
Key points
Health insurers can increase premiums for unvaccinated individuals, but by no more than 1.5 times.
Increased premiums cannot exceed 10% of the enrollee's household income.
Exceptions apply for individuals with verified medical conditions or sincerely held religious beliefs against vaccination.
Insurers must inform enrollees about vaccine access and cannot raise premiums for vaccinated individuals due to pandemic-related costs.
The bill emphasizes that creating or using fraudulent vaccination cards is a serious federal crime with severe penalties.
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Status:
Expired
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Additional Information
Vaccine Accountability and Premium Protection Act
Print number: HR 5622
Sponsor: Rep. Gallego, Ruben [D-AZ-7]
Process start date: 2021-10-19
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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Summary & Status

Key Questions about Health Insurance: COVID-19 Vaccination Status Affects Premiums

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is HR 5622.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2021-10-19.

What are the main provisions?

Key points include:

  • Health insurers can increase premiums for unvaccinated individuals, but by no more than 1.5 times.
  • Increased premiums cannot exceed 10% of the enrollee's household income.
  • Exceptions apply for individuals with verified medical conditions or sincerely held religious beliefs against vaccination.
  • Insurers must inform enrollees about vaccine access and cannot raise premiums for vaccinated individuals due to pandemic-related costs.
  • The bill emphasizes that creating or using fraudulent vaccination cards is a serious federal crime with severe penalties.

What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Gallego, Ruben [D-AZ-7].

What is the latest detailed status?

The latest detailed status is: Referred to the Subcommittee on Crime, Terrorism, and Homeland Security.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-28.

Analysis and Potential Impact of HR 5622

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

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Health