That's why UA buys insurance for their employees. They nor you should be complaining when UA has to pay for what they agreed to.
Ah...insurance....now you are talking my language (salivating):
1. Most large companies self insure. Claims come right out of their pockets. The insurance card you have is mostly they insurance company admining the fund. Reason why is the large companies are large enough to form a pool of their own and this streamlines their admin costs.
2. Those that don't self insure enter into yearly pool contracts (it's why they have yearly renewals). Various risk factors go into what they are charged.
3. So either way the companies loose money if they have to pay out more claims. It comes yearly out of their pocket books.
4. So for that reason, recently many companies have begun offering discounts for health screenings and penalties for things like smoking.
5. The law in some way constrains their abilities to manage the pool: can't discriminate for example against the old or the pregnant.
6. COVID isn't really different than those risk costs....they could drive up the claims costs they pay out making it more difficult to do business....so it makes sense that companies would seek to mandate their employees get the vaccine...it makes it cheaper to insure since it lowers the risk of paying out bigger claims.
7. That's why the airline talk that Biden forced their hand is BS. Biden is just giving them cover for what they want to do.
8. Because otherwise the increased risk and increased cost to insure has to be balanced against your ability to hire, particularly in a constrained labor market. That's how markets operate.
9. Particularly if your employment is at will, there's not a whole lot you can complain about. They are free to fire you the next day, and you are free to quit. Every year they offer you a health plan, which in most jursidictions you are free to take or reject.
10. Without government interference, what most likely happens is they assess you a penalty (potentially quite steep) if you aren't vaccinated to make up for the risk (a risk premium) of having to cover your potential COVID costs.
That still leaves open the issue though if someone at work gets sick from an unvaxxed person at work, and can prove that, over the costs and liabilities there, which is a different issue than the health insurance.