Group 1 - A recent poll indicates that 1 in 6 American parents have delayed or skipped childhood vaccinations, excluding flu and COVID-19 shots, with 9% admitting to skipping core vaccinations like polio and MMR [1][2] - The primary reason for vaccine hesitancy among parents is a lack of trust, with 86% citing concerns about potential side effects and risks, while 12% mentioned insurance coverage issues or high costs [2] - The CDC emphasizes that the childhood vaccine schedule is crucial for saving lives and protecting children during their most vulnerable years [3][4] Group 2 - The Affordable Care Act (ACA) prohibits individual health insurers from denying coverage or charging higher premiums based on vaccination history [4] - Employer-sponsored health insurance can be more complex, as employers may impose premium surcharges related to vaccination status, particularly highlighted during the COVID-19 pandemic [5] - Delta Airlines previously implemented a $200 surcharge for unvaccinated employees to offset COVID-19 treatment costs, which was later removed as case numbers declined [6]