October 25, 2012 6:58 AM Subscribe
PrivacyParanoiaFilter: My employer offers a discount on my health insurance if my spouse and I take a Health Risk Assessment (HRA). I get the idea, but are there any downsides privacy-wise that they're not telling you?
posted by JoeZydeco to Work & Money (21 answers total) 6 users marked this as a favorite
So I'm starting with a new company and the health insurance offered by the company has an HRA option. If my spouse and I take the survey, they'll knock something like $12 off my monthly premium. It's not that big a savings, but H/R encourages everyone to do it. I know by law they can't require it.
I get the idea that the insurance company wants a better idea of the physical makeup of the group. There's nothing extraordinary in the assessment: tell us your height/weight/BMI, guess your blood pressure, do you smoke, exercise, how much alcohol do you consume, etc.
But TANSTAAFL. Something in my gut says that you're giving away more than what the $12 is worth. Is this an end-run around HIPAA so insurers can get some insight into your details? I'm sure there's a privacy statement in here somewhere, and we don't really have anything medically to hide, but I just get a quirky feeling about it. Anyone else paranoid like me?