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Thread: Firms to charge smokers & obese more for healthcare

  1. #111
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    Ikari's Avatar
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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by SouthernDemocrat View Post
    That's a good point. Long after the typical smoker is on the oxygen and drawing disability, a healthy and fit senior is still working and still paying taxes.
    This isn't data, this is your hysteria. Can't be useful? Some smokers go out quickly, some stay relatively healthy and productive for a very long time. Man, we can't be going off of your imagination here; we need data. This was already posted awhile back:

    Quote Originally Posted by roguenuke View Post
    They actually cost a little less, overall. But only because non-smokers, on average, live about 10 years longer.

    MMS: Error
    Do smokers cost society money? - USATODAY.com

    But, in that case, you would have to take into account that most of the medical costs for those non-smokers are going to be near the end of life, most likely after retirement age, or at least after reaching Medicare age. So, as far as insurances that are offered as worker plans, within that time frame, the smokers are more likely to cost insurance companies more in health care costs, especially older smokers.

    Basically, those insurance companies that are providing health care for workers are not interested in the overall costs of a lifetime smoker compared to a lifetime non-smoker, since the increase in cost of a non-smoker is likely to come after the person no longer has that particular insurance.
    It doesn't matter how "healthy" one lives their life. All men die. They all cost a lot of money keeping alive. But the smoker goes earlier and thus nets less cost.
    Last edited by Ikari; 11-01-11 at 11:11 PM.
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  2. #112
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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by Ikari View Post
    It doesn't matter how "healthy" one lives their life. All men die. They all cost a lot of money keeping alive. But the smoker goes earlier and thus nets less cost.
    Which is all relative to how the person lives and whether they actually do get preventive or any healthcare at all, especially at the end of life. And not all people cost a lot of money to be kept alive, since some are certainly going to refuse such extension of what they may consider either a well-fulfilled life or an extension not worth the cost.

    The longer the smoker lives, the more his life is going to cost. And if he is still working, then that costs is taken on generally by whatever health insurance is offered through his job, especially if he is still relatively young. In which case, compared to someone at his same age with that particular medical insurance, the smoker is going to cost more than the non-smoker in health care costs.

    I would love to see us go to a UHC, and not have to worry about this at all, but the facts are that employer based insurance is going to base their costs on what they are most likely to pay for while the person is covered by them. Since the average ages for men and women are past 65 and retirement age is also around there, then most employer offered health insurance is going to take this into account and figure that those extra 10 years of life and subsequent medical bills that a non-smoker would cost more than a smoker would not be covered by them anyway, since they would probably be retired by that time, and most likely have Medicare.
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