Employer offering $75 incentive for filling out Cigna’s "Health Assessment" questionnaire. Is this a trap?

I'm in the state of Oregon, and my company recently moved our insurance over to Cigna. My plan is titled "Open Access Plus HSA qualified HDHP" in their portal. Seems like a pretty standard high-deductible plan.

I got an email from my company's HR offering a $75 incentive for any insured employees that fill out a Health Assessment questionnaire on Cigna's site. The terms of the assessment make it clear that most of my information is kept confidential from my employer (and frankly, I don't really care what my employer knows about me). It's less clear what Cigna is actually doing with that info, and whether it can be used to determine eligibility for certain kinds of coverage in the future or even change hands between insurers when I leave this job. I thankfully don't have any real medical issues to speak of, but I'd rather just not fill out this form (or lie on it) if there's a possibility they'll use it to "optimize" my coverage in any way, haha.

Anyone here have some insight about these kinds of assessments?

submitted by /u/SnakeHarmer
[comments]