Vaccination reduces the risk of hospitalisation by 25x. (CDC data, 29 July 2021, leaked report).
I don't have good data on hospitalisations, though for quite some time early in the pandemic it was about 15% of all detected cases. I strongly suspect it's lower than that now (nonsymptomatic / low-severity cases are now detected), but it's still substantial.
Just on a per-person basis, that's about 50-65 large you're looking at in excess claims for shunning the vaccine. The actuarial risk is probably on the order of 10% of that, though you'd need to add in other costs and long-term health consequences. Severe cases can of course run far higher --- some patients have had double-lung transplants.
https://www.healthcarefinancenews.com/news/average-cost-hosp... (Nov 2020)
Vaccination reduces the risk of hospitalisation by 25x. (CDC data, 29 July 2021, leaked report).
I don't have good data on hospitalisations, though for quite some time early in the pandemic it was about 15% of all detected cases. I strongly suspect it's lower than that now (nonsymptomatic / low-severity cases are now detected), but it's still substantial.
Just on a per-person basis, that's about 50-65 large you're looking at in excess claims for shunning the vaccine. The actuarial risk is probably on the order of 10% of that, though you'd need to add in other costs and long-term health consequences. Severe cases can of course run far higher --- some patients have had double-lung transplants.