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Thread: Firms to charge smokers & obese more for healthcare

  1. #81
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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by StillBallin75 View Post
    This is essentially the primary problem with the insurance industry. It makes perfect economic sense to discriminate. Socially, that's another story.
    They do this already. In the past 5 years my 83 year old mothers private insurance has gone up almost 100%. Of course the insurance company won't say it's because of her age... But still, if someone engages in dangerous behavior or works in a job that's inherently dangerous, shouldn't the market charge them more than say someone who works in a cubicle? Or is it the other way around ... because someone works in an inherently dangerous job they have been trained and take more precautions... therefore accidents are minimized while the guy working in the cubicle has a higher chance of being injured or killed driving to work than the guy who's working on high voltage wires from a helicopter....
    I think if Thomas Jefferson were looking down, the author of the Bill of Rights, on whats being proposed here, hed agree with it. He would agree that the First Amendment cannot be absolute. - Chuck Schumer (D). Yet, Madison and Mason wrote the Bill of Rights, according to Sheila Jackson Lee, 400 years ago. Yup, it's a fact.


  2. #82
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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by j-mac View Post
    No, I am saying that your ignorant generalizations are repugnant.

    j-mac
    here's a nice little graphic for you........i'm sorry you find my statements repugnant, but the more convenience we foods we eat, the fatter we become. the further away we get form an agricultural society we get, the more obese we become. that's the truth, not a generalization. most people can achieve a healthy weight if they want.

    Obesity and Overweight for Professionals: Data and Statistics: U.S. Obesity Trends | DNPAO | CDC

    Originally Posted by johnny_rebson:

    These are the same liberals who forgot how Iraq attacked us on 9/11.


  3. #83
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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by Ikari View Post
    No, they do not. First off, not the point of insurance. Second off, tobacco users already pay it in increased tax on tobacco products, third it is thought and behavioral control executed through aggregated "insurance". This is nothing more than trying to make the lot of us act the same within regulated "tolerances". **** it. It's supposed to be a free country. I'll take the additional expenditure to spread out risk (which is what insurance is SUPPOSED to do) rather than trying to force everyone into the same mold. Seriously f'd up **** here.
    Not if it is costing the EMPLOYERS more to provide health care for their employees. Taxes in this case don't go to the companies having to pay increased costs.
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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by Thrilla View Post
    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...
    You know, one can drink soda and cake and still be very healthy and have a normal weight. It isn't eating cake, it is being obese. Pretty simple actually.
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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by EarlzP View Post
    Make it easier just add a tax to any product that is not a staple for healthy living, that way every body who indulges in less then healthy life style choices pays in advance for the health care they will need in the future
    But one can have a healthy lifestyle while indulging in the occasional Coke or ice cream or (horrors) a trip to BK or McDonald's...
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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by liblady View Post
    here's a nice little graphic for you........i'm sorry you find my statements repugnant, but the more convenience we foods we eat, the fatter we become. the further away we get form an agricultural society we get, the more obese we become. that's the truth, not a generalization. most people can achieve a healthy weight if they want.

    Obesity and Overweight for Professionals: Data and Statistics: U.S. Obesity Trends | DNPAO | CDC
    No one, and especially not myself is disputing that we eat way too much junk food today. That is NOT in dispute. Nor am I even disputing that those in our society that ignore warnings of what obesity, and smoking does shouldn't necessarily have to pony up more for the care they will eventually require (even though smokers in many cases already do in company insurance plans.) But rather, this is not what you were getting at when you made your flippant comment entering the thread this morning, mocking the overweight.

    I have some ideas, but will discuss them with people that want discussion and not bigotry.


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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by Temporal View Post
    I have no problem with this, as long as it doesn't get out of hand and they start labeling other non-related things as "higher risk".

    Insurance companies will do anything to leech that extra dollar right out of you.
    But they will, oh they will. I laugh at the concern the employer shows for its employees. Just another excuse to exploit them. Don't worry all you people that think this is a great idea something will be found to deny you healthcare too.

    The funny thing about healthcare is that all of these things that they want you to do to live healthier and longer end up costing us just as much if not more in the long run. Keep someone alive 10 years longer could and often does mean a lot more healthcare dollars. The elderly cost way more for healthcare than any age group. I really don't think any of you realize what you are supporting. This is indeed a very slippery slope.

    Just though of another. Everyone gets drug tested monthly and depending on the drug discovered gets fired or gets a surcharge added to their premium. Then we have to go to achohol too. And if you don't exercise a certain amount of minutes each week witnessed by a certified instructor you have to pay too. Sedentary lifestyles whether you are fat or skinny are unhealthy. What about the types of food you eat. Just because you are skinny doesn't mean you are healthy. If you have high colesterol, pay up or high blood pressure, pay up.
    Last edited by jambalaya; 11-01-11 at 12:12 PM.

  8. #88
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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by Thunder View Post
    Insight: Firms to charge smokers, obese more for healthcare - Yahoo! News


    Like a lot of companies, Veridian Credit Union wants its employees to be healthier. In January, the Waterloo, Iowa-company rolled out a wellness program and voluntary screenings.

    It also gave workers a mandate - quit smoking, curb obesity, or you'll be paying higher healthcare costs in 2013. It doesn't yet know by how much, but one thing's for certain - the unhealthy will pay more.


    LOVE IT!!!

    smokers, the obese, and folks who participate in other very unhealthy lifestypes should TOTALLY pay higher premiums and co-pays.

    why? because their lifestyle costs the rest of us healthy people.
    If they can charge more for people with pre-existing conditions then I do not see why they can not charge more for people who regularly engage in activities or habits hazardous to their health.
    Last edited by jamesrage; 11-01-11 at 11:57 AM.
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  9. #89
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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by StillBallin75 View Post
    I don't have a particular problem with this, but it should be noted that one's obesity is not necessarily their own fault.
    That is crap. Any endurance athlete knows that everyone regardless of their supposed metabolism, body type, or whatever, will burn 5 calories per every liter of oxygen consumed. A smaller body needs less oxygen to move it a given distance at a given speed, thus uses less calories. A larger body needs more oxygen to move it a given distance at a given speed, thus uses more calories. If you are obese, you are consuming more calories than your activity level needs. Simply put, obese people are obese because they don't burn off the calories they consume - and that is entirely their own fault.
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    Re: Firms to charge smokers & obese more for healthcare

    Quote Originally Posted by jambalaya View Post
    But they will, oh they will. I laugh at the concern the employer shows for its employees. Just another excuse to exploit them. Don't worry all you people that think this is a great idea something will be found to deny you healthcare too.

    The funny thing about healthcare is that all of these things that they want you to do to live healthier and longer end up costing us just as much if not more in the long run. Keep someone alive 10 years longer could and often does mean a lot more healthcare dollars. The elderly cost way more for healthcare than any age group. I really don't think any of you realize what you are supporting. This is indeed a very slippery slope.
    Not smoking and exercising regularly does not necessarily mean you will live longer than someone that is overweight and doesn't take care of themselves. However, statistically, you will have a far better quality of life your last 20 years of life than someone that does not take care of themselves will have. The life long runner will usually consume very little in terms of healthcare (other than preventative) until the last few months of their life. However, the life long obese will consume a huge amount in healthcare related to their obesity over the course of the last 20 years or so of their life (adult onset diabetes, joint issues, heart disease, higher cancer rates and so on).
    "You're the only person that decides how far you'll go and what you're capable of." - Ben Saunders (Explorer and Endurance Athlete)

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