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Thread: Firms to charge smokers & obese more for healthcare

  1. #21
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    Re: Firms to charge smokers & obese more for healthcare

    i'd feel better about this idea if we had a sustainable health insurance strategy in the US. at this point, we do not.

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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by MaggieD View Post
    Premium should be based on risk.
    No it shouldn't. The purpose of insurance is to aggregate everyone together so they share the same "risk", you bet with a system and through that you spread the "risk" around through a greater population. The insurance companies win on the whole. When you start adjusting premiums based on "risk" you no longer have insurance. At that point you're better off getting rid of insurance all together and go with a pay to go system.
    You know the time is right to take control, we gotta take offense against the status quo

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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by Ikari View Post
    Any insight into the problem? Want to address that all the taxes paid for tobacco were created and supposed to go to offsetting healthcare costs? Or is that pointless and worthless snide comment all you got?
    Nah, it was pretty much an attempt at levity which you took way too seriously.
    Nobody who wins a war indulges in a bifurcated definition of victory. War is a political act; victory and defeat have meaning only in political terms. A country incapable of achieving its political objectives at an acceptable cost is losing the war, regardless of battlefield events.

    Bifurcating victory (e.g. winning militarily, losing politically) is a useful salve for defeated armies. The "stab in the back" narrative helped take the sting out of failure for German generals after WWI and their American counterparts after Vietnam.

    All the same, it's nonsense. To paraphrase Vince Lombardi, show me a political loser, and I'll show you a loser.
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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by Ikari View Post
    No it shouldn't....
    auto-insurance factors in all KINDS of risks, such as the location of the owner, his/her age, if he/she drives to work regularly, his/her driving record.

    why is it wrong to also factor in risks when deciding how much a person should pay for health-insurance?

  5. #25
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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by Thunder View Post
    auto-insurance factors in all KINDS of risks, such as the location of the owner, his/her age, if he/she drives to work regularly, his/her driving record.

    why is it wrong to also factor in risks when deciding how much a person should pay for health-insurance?
    That's not "insurance". Car insurance is no longer insurance because everyone has to have it. Once everyone has it, you realize the statistics across the entire populace. The point of insurance is in reality to take a smaller group of people, aggregate risks together, have them pay the same premium and then you bet against the system. Once rates are determined on factors and blah blah this and yadda yadda that; it's not insurance anymore. It's forced savings. But not even that because no way in hell are you going to get back out what you put into it. Not on the whole. And that's where insurance now wins.
    You know the time is right to take control, we gotta take offense against the status quo

    Quote Originally Posted by A. de Tocqueville
    "I should have loved freedom, I believe, at all times, but in the time in which we live I am ready to worship it."

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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by StillBallin75 View Post
    Nah, it was pretty much an attempt at levity which you took way too seriously.
    I take everything written upstairs seriously. Humor and sarcasm do not transmit well over the internet.
    You know the time is right to take control, we gotta take offense against the status quo

    Quote Originally Posted by A. de Tocqueville
    "I should have loved freedom, I believe, at all times, but in the time in which we live I am ready to worship it."

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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by Ikari View Post
    That's not "insurance". Car insurance is no longer insurance because everyone has to have it....
    I'm sorry, car insurance isn't insurance?

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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by Thunder View Post
    I'm sorry, car insurance isn't insurance?
    Ikari's point is that car insurance, as it exists now, doesn't really work the way insurance is supposed to work. Read and try to understand what he's trying to say, he makes good points.
    Nobody who wins a war indulges in a bifurcated definition of victory. War is a political act; victory and defeat have meaning only in political terms. A country incapable of achieving its political objectives at an acceptable cost is losing the war, regardless of battlefield events.

    Bifurcating victory (e.g. winning militarily, losing politically) is a useful salve for defeated armies. The "stab in the back" narrative helped take the sting out of failure for German generals after WWI and their American counterparts after Vietnam.

    All the same, it's nonsense. To paraphrase Vince Lombardi, show me a political loser, and I'll show you a loser.
    - Colonel Paul Yingling

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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by StillBallin75 View Post
    Ikari's point is that car insurance, as it exists now, doesn't really work the way insurance is supposed to work.
    car insurance takes into account risks, and those of us who have less risks still pay for the accidents and problems of folks who get into more trouble.

    just like with health insurance.

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    Re: Firms to charge smokers & obese more for healthcare

    I suggest they charge more for stupid people as well.. and risk takers... and soda drinkers... and cake eaters... and pie eaters... and folks who have high stress jobs... and speeders.... and jaywalkers..... and drug abusers.... and ...and....and...and... and...

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