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Can using your health insurance too much affect your employer’s health plan cost?

Yes, it’s possible that using health insurance too much could affect the next year’s plan cost.

If your “group” has expensive claims, such as people with chronic conditions, everyone will pay more next year when the group’s plan rates are calculated.

Of course, if you are in need of medical attention, the cost of future health insurance shouldn’t stop you from seeing your doctor or receiving medical intervention.

Because employees who make more claims can cost your employer more in health insurance costs, many employers offer wellness programs or financial incentives to employees. The objective is to improve employees' health and lower claims costs, which in turn should help keep health insurance more affordable.

Last updated: Jun. 30, 2014