I think there could be some who change their mind based on full approval.
We are also approaching 1 year from the initial trial so how much longer do people need to see the vaccines are safe? People are still saying “wait and see” but we are quickly approaching a time when that’s not a valid answer anymore. On the bright side even if nobody extra gets the vaccine at least we won‘t have to hear the anti-vaxx crowd call it an experimental vaccine anymore
All kidding aside the FDA has nothing to gain by not giving full approval and a lot to lose. If they wait until January in an attempt to appear thorough or cautious people will continue to use the EUA as an excuse not to get it. If some incredibly unlikely event occurs that shows the vaccines are actually unsafe between now and January nobody will give the FDA credit for being extra cautious with their full approve. 192M of us will be furious they told us it was safe. So there is really no upside to waiting. The data is in, it has been analyzed so make the call.
The insurance thing is possible. It would take a little time to setup. A lot of corporate plans have their open enrollment period in the fourth quarter so that’s fast approaching.