Smokers pay $ 25/month more already
rtfm
I think it's fair. They charge bad drivers more for auto insurance, so why not charge people who make bad health choices more for medical insurance?
Do they charge smokers more as well?
Lasher702
Putting personal opinions aside:
That's capitalism. If you really need health insurance that bad then you will pay it.
Personal opinion:
People in this day of age need ALOT more self control. This is including smoking. We are quick to place blame on the company that provides the "Big Mac", the "Pack of Reds", or the "Tall Boy" instead of taking a realistic look in the mirror and seeing our own compulsions are lack of will power are to blame for a rising health insurance bill. Let me also add I am in favor of a national healthcare system but those whose compulsions are unhealthy should pay something more into the system. Therefor you still get free choice of what to put in your body with insurance to fix your body.
?
Personally, I think that everyone is drastically overcharged for their health insurance, but that's a slightly different issue. HMO's, PPO's, and their ilk currently base their premiums on community statistics; meaning that they have already taken into account the exacerbated rate of obesity in Alabama which is one of the highest in the nation. To charge them an additional surcharge wouldn't be fair from that perspective. Another issue is that many obese folks are more susceptible to obesity than others; some are a combination of behavioral and hereditary issues. Where would you draw the line, should you make the distinction. Of course there is also the elephant in the parlor that noone is willing to talk about - fast food. Maybe there should be a tax imposed on companies that provide an unhealthy menu?
Soozie Q
I actually think that's very cheap. It's a given that a smoker and a morbidly obese person are going to rack up more medical costs then say your average weight, non-smoking person who exercises regularly and eats a good diet. I'm not being mean, but they should have to pay more for insurance because chances are extremely high that their insurance company is going to have to pay a lot more out on them then someone who isn't either. But there's also a remedy for it if you don't want to pay the extra $ 25/month; quit smoking and/or lose weight. We have all made poor decisions regarding our health, and now we are paying for them, both financially and physically.
debijs
~~I think it's a very common practice. If good health choices aren't practiced then the violators pay higher rates. It's a way they can keep the premiums lower for those who to try and make healthy life style choices. Unfortunately, excessive weight, smoking, alcohol abuse, drugs, etc. all cost insurance companies allot of money in health related costs. It's not fair to ask the innocent to payer higher costs for these choices.~~
Orignal From: What do you think about charging morbidly obese people more for health insurance?
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