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The federal emergency agency has already offered premium reductions for homeowners who elevate their boilers and other mechanical systems.
"Employer-paid health plans are increasingly offering cash incentives such as premium reductions or funds … to employees who improve their health," says Joe Mondy, a Cigna spokesperson.
Per-Ola Fuxin, Volvo's City Safety expert, tells me this feature has been responsible for up to 30% insurance premium reductions in Germany and Sweden.
Premium reductions have been far less dramatic for other age groups and some women have actually seen prices go up after the implementation of the EU Gender Directive at the end of last year, so you shouldn't wait around to start saving money.
In Switzerland, one such vulnerable group are the young adults aged 19 25 years, which are entitled to premium reductions by law.
While for moderate compensations MCOs may still be in the game, the magnitude of necessary premium reductions found in these experiments seriously compromises the efficiency advantage of MC.
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Part of the premium reduction was attributed to savings in the cost of medical services.
"To my astonishment, he admitted that the premium reduction would not have been brought to my attention unless I asked for it," he said.
The losers would be low-income enrollees in poor health or in need of hospital care, because their cost-sharing would rise above any premium reduction.
Higher deductibles than the minimum of EUR 150 per year can be selected in exchange for a premium reduction.
In particular, many proposed solutions neglect that any reduction of solidarity transfers (be it as a premium reduction or a reduction of risk adjustment contributions) must be compatible with risk adjustment so as not to induce selection incentives for insurers.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com