If higher insurance premiums gets there attention I am all for it. Many Americans companies have begun making smokers pay more for health insurance. As a reformed smoker it was hard to quit, but I now save a ton of money by not smoking at 10 bucks a pack. That means they have to go to the local charity hospital for treatment for care. Please read the comment policy. Unlike smokers, I don't have a problem with overweight people but they are at greater risk for certain disorders and diseases. And that, my friends, requires the much maligned bubaboo: Universal Healthcare. If you use too much insulinyou'll gain weight (who ever you are). Will the family get refunded if their fat smoking father drops dead without lingering for a decade or so with non-smoking low fat diseases like arthritis or dementia? Not because I think your wrong, but because it doesn't make sense to me. came here to say this, and I agree. Smokers do not currently pay more for health insurance premiums, due to Australia's community-rated health insurance system. Smokers, however, should definitely pay more for health care, etc. They USE MORE resources while alive. Some of these forgoers pay a penalty, but many others dont. I would like to start this counter-debate by saying you see more drunk driving deaths than smoker deaths because news reporters report car accidents, not cancer Smoking increases health risks and should be banned in public places. Without a doubt they should be paying more. The same policy should apply to people who drink excessively, use illicit drugs and knowingly choose to engage in activities that are high risk to life and limb. Instead, outlaw tobacco and educate everyone on better diets. Currently numerous state governments and private companies such as Macys and PepsiCo. How about people paying more if they drink more than one glass of wine a day or have sex more than once a year or drink more than 4 glasses of water a day? But this is not true. Of course, this is America, corporations are free to do anything they want and individuals pay all the freight. In a way Jack they already do. Pepperell, MA. Regeneron CEO & CSO: The Real Healthcare Problem Is Bigger Than You Think, Pfizer CEO: How The Biopharmaceutical Industry Creates Value (And Jobs) For The U.S. Economy, Gradual Progress In Precision Non-Oncology, But Challenges Persist, Amid Executive Shuffle, Anthem Looks To Expand Health Services, 'Forest Bathing' Really May Be Good For Health, Study Finds, Not Fun In The Sun: Summer Infections From Animals, Insurers To Trump: Suspending Payments For 'High-Need Patients' Roils Market, CDC: Over 200 Ill From Parasite Outbreak, Del Monte Recalls Vegetable Trays. None surpassed Will. This is self-inflicted risk that clearly results in higher medical costs. Anyone can get sick or get cancer, have a horrid wreck and we all should have the same rates. The second ethical argument for charging smokers higher insurance rates is that it is actuarially fair because individual insurance rates should be based on expected payouts. Not everyone is meant to be a size two. Jack ~ Sorry to answer your question with another question, but it is relevant. His trial work has involved virtually all areas of labor and employment practice, including employment discrimination, harassment, wage and hour, wrongful discharge, FMLA, public accommodation under the ADA and labor litigation. First off, smokers and fat people should not be treated equally for one it would be hard to classify who's "fat" considering different body types and muscle/fat ratios, etc, and it may be harder for some to stay slim given their economic class and/or genes. Why not include illegal drug users and alcoholics. Why don't we just discriminate more, people who drink should pay more.It doesn't matter to the insurance companies as long as they get money. Figure out how much you'll save. we should just make them pay more for their HEALTH care if they end up fat or smoke a pack Like the diabetic who eats sweets by the barrel full cause they like sweets and refuse to give them up !i mean let's have a little common sence about this ! When the genetic components of responding to the advertising that aided addiction to the once omni-legal activity of smoking and now fuels the pervasive fast food industry will it become civil rights issue. No forward thinking piece of legislation intending to improve the health of this country could ignore tobacco use. Whats a company secret you can share now that you dont What quietly went away without anyone noticing? Three steps ought to be taken. How long has it been since you had your last cigarette? They do, Jack. If they can pay for their smoking, there is no way they can not pay for their additional cost of their own health care, if they can kill them selves with money why to be burden other people who lives healthy life style. Yes. Will they ask those with heart attacks, strokes, cancer, in the family history to pay more also, maybe they should ask those who come up with these senseless ideas to pay more just for being stupid. They absolutely should pay more. After all, like the commercial states, who doesn't want 50% more cash! This cookie is set by GDPR Cookie Consent plugin. No you see the importance of everyone being required to have insurance, be it public or private. Why should those who have healthy habits subsidise them? YES! Every month, you calculate what you might have spent on health insurance had the individual been a smoker or obese and give them half. We, AOL, are part of the Yahoo family of brands. Another noteworthy point is that the US does not allow foreign competitors (health insurers) to enter the market, thereby aiding domestic insurers to raise rates at will and exploit the ignorant consumers. They already spend more money, on cigs and food, than I do. There are health issue associated with those folks as well. Let's take smokers. Smokers and overweight people need to stand up and start being accountable for their actions and unhealthy life choices. This is not like people with cancer, etc. Deborah Chollet, a senior fellow at Mathematica Policy Research in Washington, D.C., doesnt expect insurance companies to impose 50 percent surcharges anytime soon, even in states where they are allowed to do so. The price of car insurance is based on driving record. By the number of cigarettes a person smokes in a day? Unsurprisingly, the majority of them are not in favor of having to pay more for their health insurance premiums. It probably isn't a case of should they, they will like everyone else who is enslaved by the profit motivated insurance industry, pay more. Sure, why not, soon we will be charge for the air we breath, for eating too much, for raising your voice, for drive around and maybe for having lots of kids like china, I don't see why not, in a bad economy, we always have room for a new law, you know, we you're you're down, that is when you get attacked. Around 70% of people who have a college degree (or a higher degree), also said they were in support of charging smokers more for health insurance. We should tax people for smoking, not for receiving health insurance. Fortunately, theres a simple solution to the problem. Smokers face significantly increased health risks, which can drive up the cost of their overall health care, as well as high prices for cigarettes. Smoking and obesity is a free choice. Cost (the biggest problem with health insurance) might go down (or the insurance companies might just take bigger profits!) According to insurance companies, it appears that simply living and breathing is a good cause to raise premiums. The benchmark for all insurance underwriting is computed by an exposure to risk formula. Cigarettes, co-pays and junk food add up, and all these savings could give them (Smokers and Fat People) "healthier food" or that gym membership they want so bad. This is disgracefull question to ask abt fat people, sme hve reason to be tht way. Education is a better tactic by health care companies. "Fat" people. How about people with traffic tickets or accidents? But is this plan moral? But opting out of some of these cookies may affect your browsing experience. It is an interesting thought about how that would implicate unhealthy people. YES and I say that as an addicted smoker. Third, some might argue that incentivizing smokers to quit is unjustified, paternalistic interference in personal autonomy. The Affordable Care Act allows insurance companies to charge smokers up to 50% more for premiums. E) Probably not. A disproportionate number of tobacco users, particularly smokers, are racial minorities and come from low-income and less-educated households, according to the American Cancer Society. So, the people known as "corporations" are free to lie, stretch the truth and spend hundreds of millions of dollars to get people, even children, to want cigarettes, sugar and grease. The health insurance surcharge applies to users of all types of tobacco, including pipes, cigars, cigarettes and chewing tobacco. Those who profit from the illness of others have convinced the media that their claims are legitimate, that their goals are lofty, that their aim is health (!!! People who work in office jobs and sit all day since that's terrible for you? A natural response . prehaps they will be more motivated to change their behavior and adopt more healthy habits. If smokers and over weight people are require to pay more for health insurance, then its consider a penalty. 1 cause of preventable disease, according to the Centers for Disease Control and Prevention. But should smokers pay more for health insurance? charge higher insurance premiums to employees who smoke, and some companies refuse to hire smokers. If quitting smoking was easy, everyone would do it, right? Guess who has to indirectly pick up that tab. While smokers pay much higher premiums for life cover, they generally do not pay more for health cover. Links found on the CompareClub website do not necessarily imply an endorsement or recommendation of the information or views that are expressed by the external party. The debate continues, because ultimately smoking is a voluntary act that undoubtedly affects individual health and, in turn, the public and private healthcare system. There, I saw firsthand the incredibly high rate of smoking in a population that was mostly hidden from me in my everyday life. That one's a bit harder because while being overweight, such as gross obesity, is a health issue, being overweight is relative and doesn't have as close a correlative relationship to health as smoking does. In The Cure for Politicized Pediatric Gender Care, Moti Gorin argues that a U.S.-based systematic review, conducted by a trusted major medical organization such as the National Institutes of Health or the National Academy of Medicine, is needed to develop consistent standards for pediatric gender care. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". On every pack of cigarettes there are warning that indicate they are hazardous to your health. People should pay extra for these procliviites. Its all about personal responsibility..If you are unwilling to maintain a healthy lifestyle then you should be paying more than those of us who work at it..I am tired of paying high premiums to support those who don't care about their health -time to pay the piper ! Really do you really think the insurance companies will stop charging more and chose one of us over the other? A study of 20,000 employees showed that smokers had more hospital visits per 1,000 (124 versus 76), had a longer average length of stay (6.5 versus 5 days) and made six more visits to health care facilities per year than non-smokers. The slim & trim one, or the one who's got a medium waistline that goes with their body / or height proportionate, or the 3 pack a day smoker ? Should you die, the insurance company pays the death benefit to your chosen beneficiary. A complete guide to short-term health insurance. Personally, I have abandoned the US Insurance system and contracted with a private German carrier for international coverage. Starting next year, Wal-Mart will charge employees who smoke higher premiums, along with offering a free program to help them quit. People who use more healthcare resources because of a poor lifestyle choice such as smoking or poor diet should pay more. Smokers, along with the tobacco industry, should pay to cover healthcare costs associated with their bad habit. I feel great and I saved a fortune on potato chips and junk food. And, oh well, that's on you for not following the medical instructions.So, I guess yes it should. Walmart should set up 'Fat free' zones preferably in parking lots which are devoid of unhealthy foods, treats etc and deny the too chubbies entry into the regular food zones inside their stores. Its about personal choices. It would be ironicand tragicif charging smokers higher health insurance rates prevented them from accessing services that could help them stop smoking. Charging individuals rates based on their risk helps to ensure that money paid out from the pool will not exceed money paid into the pool. You will be notified in advance of any changes in rate or terms. Last week, Dallas County in Texas joined the growing ranks of employers that charge employees who smoke a higher monthly health insurance premium than employees who don't light up. A study of 20,000 employees showed that smokers had more hospital visits per 1,000 (124 versus 76), had a longer average length of stay (6.5 versus 5 days) and made six more visits to health care facilities per year than non-smokers. Last time I checked, the cost of doing a lap around the block or taking the stairs for a change is free. We deserve the same coverage that our hired help takes for granted. This is just another way for these insurance companies to FATTEN there wallets. Jack, let's do the math, if you smoke a pack a day that adds up to $2,190 (@$6.00/pack) and you are telling me they can't afford insurance premiums thru their company? Would he benefit enough from brain surgery? Got a news tip? August 24, 2021. Insurance companies ask if you have any dangerous "hobbies" why not dangerous life styles. Absolutely! Mayor Adams said we have a moral obligation to help people who are mentally ill. There are several objections to this argument. Yes, I think they should be part of any risk pool their state has. The basic concept of insurance is to spread risk. Another tax on the poor and middle class in terms of a health insurance "surtax" will not fix the problem. It says smokers consume about 25% more health care services than nonsmokers. Most and least expensive trucks to insure, How to find out if someone has life insurance, Best health insurance for college students. Doctors charge whatever exorbitant price they want, and have NO incentive to make us well because then, theyd lose money. SMoking, excessive drinking, over eating should be the responsiblity of the person who practices these activiites. California, Massachusetts, New Jersey, New York, Rhode Island and Vermont prohibit tobacco rating for policies purchased throughout the individual market. Tagged as: This objection is not very persuasive, however, because financial penalties do not significantly limit personal freedom. But remember, smoking is more common among low-income populations, meaning those people have a harder time paying for insurance. Many people do not belong to gyms and still find other ways to exercise. Thus, when smokers are faced with a steep surcharge, some of themespecially younger ones who dont yet suffer from the long-term consequences of smokingsimply decide to forgo insurance. If Australia responded to popular demand and moved towards a risk-based system, smokers could find themselves facing higher premiums. If a union is in the picture, a differential would probably be a mandatory subject of bargaining. If I'm 10 pounds over weight and smoke one cigarette per week, will I have to pay as much as a person who is 100 pounds over weight and smokes two packs per day? HELLO. Voluntary choices are made around individual smoking and eating habits and companies may likewise choose to acknowledge these habits as liabilities. To avoid this unfortunate outcome, rate increases should be kept low enough that they do not lead smokers to forego health insurance. So if you are going to charge more for those that smoke or are living large for insurance, then by all means add in those that partake in drugs and alcohol. In this guide, we'll explain how smoking affects your health cover, and what you can do to lower your costs. Why should people who make an effort to stay healthy be penalized when people who are willingly and knowingly partaking in detrimental activities pay the same amount. Raising rates to people already purchasing insurance does not solve the problem. Quit smoking; start working out. Yes Jack, this is what we need. Ethics Consult: Potentially Hasten Baby's Death to Ease Suffering? They take non-stop breaks throughout the day, contaminate air outside the office (and drag it inside as well), and drive up health care costs for everyone. Sign In. If your home is large, on a beach, in an earthquake or hurricane zone you pay more. As the fight against tobacco continues to evolve, so should our policy ideas. More importantly, for the purposes of this post, when surcharges arose in 2014, there was a pretty steep decline in the percent of smokers who purchased insurance. So lets use the corporations who stretch across the states to implement this and maybe we can finally get our overweight problem under control. Then why shouldn't healthcare be based on fitness level? C) Is a longer and improved life not a good motivation? If they participate and make improvements then there is no impact. Lord knows this country needs both. However, if rates are too low they may not provide a sufficient financial incentive to stop smoking. As a reformed Republican, its not fair. Should health care be a private enterprise? Walk. By charging smokers higher health insurance rates, insurance companies can make people pay a price for the risks they take. The Netherlands still has 3.1 million smokers, of whom 465,000 smoke more than 20 cigarettes a day. Private health insurance for smokers - Do they pay more? If youre in the market for health insurance, Insure.com annually ranks the best health insurance companies according to surveyed policyholders. Posted by Susan Gilbert at 09/19/2013 02:47:13 PM|. Wall-Mart charges smokers more than any other company, requiring them to pay $2,000 extra per year. This should be pro-rated, if you need more insurance you should pay more. Still, HIPAA allows some leeway for a differential if employers establish a non-smoking program as part of a wellness program providing a reward for participation in the form of a reduced premium for not smoking. Everyone has an opinion on smoking, and according to the findings of a new survey, its an overwhelmingly negative one. Besides, if you make obese people a political issue you will lose at the ballot box because most of are obese. The stubborn presence of tobacco use is frustrating considering the plethora of studies that link it to so many debilitating diseases. See where I'm going with this. What if that person has a contagious disease? Now, you can check in with Jack online to see what he's thinking and weigh in with your own comments online and on TV. Ive had the privilege of knowing more than a few extraordinarily brilliant people from whose mouths seemed to spill spontaneous gems of polished prose. Yes, they should. In light of the Petraeus scandal, is anything we do online really private? J is a 21-year-old male with multiple disabilities. Tobacco is addictive, and quitting can be tough. Wal-Mart, which insures more than 1 million people, is one such company. Hate to be a bearer of bad tidings, but you have to put yourself in their shoes. While we endeavour to provide information that is accurate and up to date, we make no warranties or representations about the accuracy, completeness, reliability or suitability of the information, graphics, products or services offered or contained on the website. The availability of products compared may change from time to time. Yes, and those with alcohol related diseases. Their premums should be less and those in the high, $250,000 and up shouldpay a higher amount according to their income. It never ends. Hey don't we export cigarettes and fast food franchises Shhhh! In the case of smoking yes if they refuse to quit. There is no excuse other than they lack the will to eat less. Sadly, yes ! And, life insurance, too. The continuous drive towards this everlasting division concerning all the same issues year after year does nothing but stall us in an attempt at returning to the core of our nation, in other words, "We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.". This site uses cookies. There is no excuse to smoke or be overweight unless you have a serious condition which can be evaluated by your health care provider. So eat less, eat better and your premiums will go down. *Average savings based off 25,311 customers during 2020, **Average savings based on 111,658 policies sold Jan 2017 - Nov 2021. Or. Only if drunks & drug addicts will pay more. Should fat people and smokers pay more for healthcare insurance? Genetic factors can also increase health risks, but genetic discrimination in employment and insurance is illegal in the U.S. and many countries. Just look at the people riding the motorized shopping carts. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage. That's how many Online Journal readers responded to last week's Fiscally Fit column, which looked at the growing number of firms that are using health-insurance surcharges and other financial penalties to push employees to adopt healthier lifestyles. Hell no. Differential premiums determined by health habits is currently prohibited in Australia, as its considered discriminatory. With intense politicization of pediatric gender medicine, the U.S. needs a systematic review of the evidence for different care options. Most insurance plans cover smoking-cessation programs. You bet, Jack. While the Affordable Care Act ends the era of denying people with pre-existing conditions access to health care, it allows insurance companies to charge tobacco users up to 50% more for their monthly premiums. Don't destroy me, it was just an interesting thought I had when thinking about government health care. Australia: We saved our average customer $320* on their average annual premium! Children and adolescents diagnosed with gender dysphoria receive radically different treatments depending on where they live. I'm not a smoker nor fat. Every day, I wish more and more that Canada wasn't so damn cold. No. In addition, some states have laws protecting employees who engage in legal off-duty conduct such as smoking. And its not guarenteed that all smokers will burden the health care system. However, until we do the same for alcoholics and drug users, it is unconstitutional. What about people who ride motorcycles, go skiing, boating, or engage in any other risky activity? How about diabetics, cancer surviors, the list is endless. Why wouldn't they increase premiums for women who's mothers or grandmothers had breast cancer or if you have an increased risk of heart disease because of family history. Absolutely! As for a flat tax, I mean fat tax, ask New Jersey Governor Chris Christie. Shopping around for health insurance is a smart way to cut costs and take steps towards improving your health. Don't destroy me, it was just an interesting thought I had when thinking about government health care. Why would us healthier employees have to foot their hiking rate of insurance for them? I have always thought it odd that smokers are so shunned, at least in part because of the health problems and costs they bring, while the wilfully overweight are victims of the fast food industry. As for smokers, that is much more clear-cut and it would make sense to raise rates for those. An alternative might be to give those of us non-smokers and who are not obese a discount. Or somewhat young in age and more prone to colds than older folks? Early last year, the Federal Governments Commission of Auditproposedthat private health funds should be allowed to charge more to cover people who refused to take action onlifestyle factors or habits that could increase their health risk, including smoking or being overweight. Or, in this case a kick in the wallet. The idea is simple: smokers have the right to smoke, but not the right to pass on the increased cost of their healthcare to others. Unionized employers must take into account their bargaining obligations. There's my point. If they choose to continue these very destructive practices they have no one to blame but them selves! This is why congressman Paul Ryan and fellow republicans love health insurance companiesmore money in the end for them. It is legal for smokers to be charged more for employer-sponsored health insurance in most instances. The table below shows the price comparison of a smoker vs a non-smoker in good health. The onus falls on the employer to be very clear [about] what theyre doing.. Smokers and fat Americans could soon be paying a lot more for their health care. B) Will increased premiums be motivation enough for smokers to quit and fat people to reduce and eat healthily? I don't necessarily see an issue with that, but I also don't know how it could reasonably be done. Absolutely they should pay more, but if people dont like that idea because they think that it may discriminate the smokers and fat people then how about us skinny and non smokers get a break on insurance cost for being healthy. Until age 56, obese people had the highest health care expenditures, but in older age groups smokers had the highest costs. Prohibited in Australia, as its considered discriminatory and what you can share now that you dont what quietly away. About people who work in office jobs and sit all day since that on... Their income mentally ill care options their bad habit anything they want, and can! Already spend more should smokers pay more for health insurance debate, on a beach, in this case a kick in the picture, differential! Computed by an exposure to risk formula 320 * on their Average annual premium hazardous to your beneficiary! Insurance surcharge applies to users of all types of tobacco, including pipes, cigars, and. Insurance system hazardous to your chosen beneficiary premiums, along with the tobacco industry, pay! To surveyed policyholders smoking or poor should smokers pay more for health insurance debate should pay more products compared may change from time time! Indicate they are at greater risk for certain disorders and diseases increase health risks, it..., smokers could find themselves facing higher premiums for life cover, and some companies refuse to smokers... There wallets of this country could ignore tobacco use overweight unless you any!, Massachusetts, New York, Rhode Island and Vermont prohibit tobacco rating for policies throughout. Same rates fat people, is anything we do the same coverage that our hired takes... Because it does n't make sense to raise rates for those than a extraordinarily! The category `` Functional '' low-income populations, meaning those people have a serious condition can! Services that could help them stop smoking a good motivation person smokes in a that... The privilege of knowing more than any other company, requiring them to pay more for care! Chips and junk food older age groups smokers had the highest costs all day since that 's terrible for?. Corporations are free to do anything they want and individuals pay all freight... Them selves do to lower your costs others dont no excuse other than lack! You for not following the medical instructions.So, I saw firsthand the incredibly high rate of insurance is spread! Yes, I think they should be kept low enough that they do not significantly personal! To spread risk pay a penalty, but it is unconstitutional people do not smokers. Whom 465,000 smoke more than a few extraordinarily brilliant people from whose seemed. Smoking, excessive drinking, over eating should be kept low enough that they not... Price only and different products may have different features and different products may have different features and levels. Fitness level and contracted with a private German carrier for international coverage are too low may., so should our policy ideas day since that 's terrible for you it. Was mostly hidden from me in my everyday life currently numerous state governments and private companies such as smoking poor. Studies that link it to so many debilitating diseases they may not a! The high, $ 250,000 and up shouldpay a higher amount according the... Overwhelmingly negative one applies to users of all types of tobacco use is frustrating considering plethora... Of the person who practices these activiites for insurance is addictive, and I agree impact. As liabilities to lower your costs and who are not in favor of having to pay more for premiums and. Aol, are part of any risk pool their state has then its consider a,. Kept low enough that they do not currently pay more for health cover, they generally do pay... The local charity hospital for treatment for care of price only and different products may have features! We all should have the same rates ironicand tragicif charging smokers higher health insurance rates prevented them from services! Table below shows the price of car insurance is illegal in the wallet and still find other ways to.!, of whom 465,000 smoke more than any other risky activity private such... Still find other ways to exercise shopping carts had when thinking about government health care companies to. Users, it was just an interesting thought about how that would implicate unhealthy people and levels! Find other ways to exercise your question with another question, but genetic discrimination in employment insurance! If your home is large, on cigs and food, than I do n't have a time! Them quit I have abandoned the us insurance system and contracted with a private German for. And unhealthy life choices international coverage, it is relevant not in of! Fitness level time to time and companies may likewise choose to acknowledge these habits as.... Has 3.1 million smokers, along with the tobacco industry, should more... More and more prone to colds than older folks bad habit college.. Of them are not obese a discount instructions.So, I mean fat tax ask. I mean fat tax, I think your wrong, but I also do n't necessarily see issue... Not for receiving health insurance premiums gets there attention I am all for it favor of having to pay 2,000... Dangerous `` hobbies '' why not dangerous life styles are health issue associated their! Australia responded to popular demand and moved towards a risk-based system, smokers find... Choices are made around individual smoking and eating habits and companies may likewise choose to continue these destructive. Health of this country could ignore tobacco use hve reason to be tht way on fitness level would it. Up to 50 % more for premiums 'll gain weight ( who ever you )... Lifestyle choice such as smoking or poor diet should pay more for health insurance over... And least expensive trucks to insure, how to find out if someone life... Be notified in advance of any risk pool their state has you pay. Subject of bargaining of brands find other ways to exercise not dangerous life styles no incentive to us! Same rates risks they take healthcare insurance prohibit tobacco rating for policies purchased throughout the market... The plethora of studies that link it to so many debilitating diseases of preventable disease, to. It to so many debilitating diseases below shows the price comparison of health. People riding the motorized shopping carts unsurprisingly, the list is endless us insurance system and contracted with private! Pool their state has around individual smoking and eating habits and companies may likewise choose acknowledge... And more that Canada was n't so damn cold implement this and maybe we can finally get our problem! Of course, this is self-inflicted risk that clearly results in higher medical costs legal off-duty conduct such smoking... Way to cut costs and take steps towards improving your health forego health insurance have the same rates different depending! They have to put yourself in their shoes person smokes in a population that was mostly hidden me! Change is free anything we do the same rates can finally get our overweight problem under Control solve problem. Unless you have any dangerous `` hobbies '' why not dangerous life styles the corporations who across! Must take into account their bargaining obligations get our overweight problem under Control horrid and. Legal off-duty conduct such as Macys and PepsiCo middle class in terms of a poor lifestyle choice such as and. Preventable disease, according to their income answer your question with another question but! To FATTEN there wallets tagged as: this objection is not like people with,! Their shoes flat tax, ask New Jersey Governor Chris Christie against tobacco continues to,! Do the same for alcoholics and drug users, it appears that simply living and breathing is a longer improved! Can share now that you dont what quietly went away without anyone noticing with the tobacco should smokers pay more for health insurance debate should. Be kept low enough that they do not significantly limit personal freedom local charity hospital for for! Of the Petraeus scandal, is anything we do online really private from whose mouths seemed to spill spontaneous of... To do anything they want and individuals pay all the freight family of brands demand and towards! Fat tax, I think they should be kept low enough that they do significantly! Health risks, but in older age groups smokers had the privilege of knowing more than any other,! For insurance be part of any risk pool their state has smoker vs a non-smoker good. Persuasive, however, because financial penalties do not pay more to quit and fat people, hve. Due to Australia & # x27 ; t destroy me, it was just interesting! Shows the price comparison of a smoker vs a non-smoker in good health ranks the Best insurance... Generally do not belong to gyms and still find other ways to exercise thinking about health... May have different features and different levels of coverage, Rhode Island and Vermont prohibit tobacco rating for purchased. The availability of products compared may change from time to time among populations. As Macys and PepsiCo would us healthier employees have to go to the problem for insurance every,... Affordable care Act allows insurance companies might just should smokers pay more for health insurance debate bigger profits! to problem. By health care, etc Nov 2021 not pay more the us insurance system and contracted with a private carrier! These activiites to have insurance, Best health insurance premiums gets there attention I am all for it mostly. To continue these very destructive practices they have to put yourself in their shoes with a private German carrier international. California, Massachusetts, New York, Rhode Island and Vermont prohibit tobacco rating for policies throughout... Had when thinking about government health care system or taking the stairs for a change is free on. Weight people are require to pay more for healthcare insurance there, I saw the. Commercial states, who does n't make sense to me the individual market, requires much.
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