My health insurance plan is offering a premium incentive for filling out a health risk assessment. Could there be a downside to filling this out?

Age: 26 State: OR Income: $32-35k

My health insurance through my employer sent out a notice stating that if we fill out a health risk assessment to help us understand our health and how to manage it, we are eligible for a lower premium come time for open enrollment.

Could this backfire? I’m wondering if providing them with my health info could actually increase my premium instead of decreasing it. For context, I’m not sure how healthy they will consider me and not 100% confident that they’ll say I’m risk-free.

submitted by /u/Alexander_Camelt0n
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Age: 26 State: OR Income: $32-35k My health insurance through my employer sent out a notice stating that if we fill out a health risk assessment to help us understand our health and how to manage it, we are eligible for a lower premium come time for open enrollment. Could this backfire? I’m wondering if providing them with my health info could actually increase my premium instead of decreasing it. For context, I’m not sure how healthy they will consider me and not 100% confident that they’ll say I’m risk-free.
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