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| *Women health>>>Health Insurance |
Should smokers and over weight people pay more for health insurance? |
If so, how about cancer patients or people with other illnesses? If they should, then so should those who drink alcohol, eat too much fat, have high cholesterol, work high stress jobs, work in factories where smoke and smog are present, etc, etc, etc. The insurance companies make multi millions a year, if not more, and percentage wise, pay very little back in return. So, what do you think.? Should people on the internet all the time pay more for insurance because of eye strain, and possible exposure to electromagnetic frequencies from their monitors and computers, and lack of exercise? Should the Government control your life, so that you exercise daily, eat right, don't smoke or drink, don't get stressed out, don't watch the news where you can become agitated, ad nauseum? Actually people who purchase their own health insurance already do. Group insurance rates are calculated by the overall health of the group so if there are a lot of smokers, cancer patients, overweight people, etc in your group, your rates will increase to reflect that. i guess if you take that to its logical end then you can just get rid of insurance and everyone pays exactly for their own exact risk. Just so you know, I have insurance through the company my husband works for. They sent out a notice in July of this year that the rates for smokers were going to go up on August 1st. The increase would cost 100 bucks a month per smoker. I put down the smokes the next morning and that was it. They also said that if you were a smoker and you lied about it then they would deny all your benefits. It's a good thing I quit because I have ended up in the hospital twice since then and had two operations. They would have reported me had I been smoking. In most cases they already do. They do already, and in some states, taxes are added to the cigarettes for a fund to treat them. Many times an insurance company will take people on only if the diseases from which they are presently suffering are excluded,,, so yes, those in poor health are charged more, their present diseases excluded or they not included in an employer group insurance package at all. dad and husband both mds. |
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