1. It's illegal, and insurance company employees aren't suicidal.
2. If health insurance companies wanted to break the law, they would simply violate the existing prohibition on discriminating on preexisting conditions, which gives them vastly more actionability than some tenuous, diluted link to a relative.
This is all frankly nonsensical because insurance companies charge people within tightly-regimented tiers, there's no wiggle room for mystery +30% fee increases.
Thousands of Wells Fargo employees would like to have a word with you about #1. “Illegal” is outweighed easily if there’s a bonus to be earned by doing something that everybody says you won’t be caught for doing. Plus, the company itself can’t be put in prison and the employees whose bad idea it was will probably get a slap on the wrist. And if it’s a big enough company, they won’t endanger it by truly hurting it with fines.
#2 is a pretty good point though.
2. If health insurance companies wanted to break the law, they would simply violate the existing prohibition on discriminating on preexisting conditions, which gives them vastly more actionability than some tenuous, diluted link to a relative.
This is all frankly nonsensical because insurance companies charge people within tightly-regimented tiers, there's no wiggle room for mystery +30% fee increases.