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A vaccine mandate means unvaccinated workers lose their jobs. A health insurance surcharge for unvaccinated workers is less coercive and likely less effective. It also opens up a hornet's nest of issues around whether people's behavior should affect what they pay for health care.
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One of the standards an employer wellness program has to meet is that it has a reasonable chance of improving health or preventing disease. Assuming Delta's health benefits surcharge increases vaccine uptake, it's a no-brainer that it meets that standard.
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One has to wonder why Delta is going through all the complexity of a $200 per month health insurance surcharge for unvaccinated workers rather than the much simpler route of a straight up vaccination requirement.
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