As businesses reopen, laid-off and furloughed workers will lose access to unemployment benefits if they stay home out of fear that their workplaces are unsafe. Now, a move by the Trump administration to protect health insurance profits may force workers to fork over money for the privilege of being forced back to jobs that jeopardize their lives.

Many businesses want their workers to be screened for the virus before returning to workplaces, where they could unknowingly spread the disease to coworkers and customers. But thanks to a new Trump administration guidance, if businesses do require their employees to undergo coronavirus tests before being rehired, employers or their employees — not health insurers — could end up paying for it.

The directive comes as insurers have been pushing for relief from testing mandates — and it is a potential jackpot for the industry, whose profits are already booming during the pandemic. It’s an extra kick in the ass when some states have enacted liability protection measures blocking employees and customers from suing businesses if they are infected with COVID-19, and Congress is weighing the idea nationally, too.