View Poll Results: Should medically judged fat people pay higher medical costs?

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  • Yes

    48 52.75%
  • No

    43 47.25%
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Thread: Should medically judged fat people pay higher medical costs? [W:87]

  1. #171
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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by Dittohead not! View Post
    and yet auto insurance offers good driver discounts and charges more for people with DUI tickets and the like. Why can't health insurance do the same?
    Good/bad driving is easier to assess than good/bad health. Body type and/or weight is a horribly imperfect measure. Might as well flip a coin or have a computer pick people at random for higher rates.
    If you claim sexual harassment to be wrong, yet you defend anyone on your side for any reason,
    then you are a hypocrite and everything you say on the matter is just babble.

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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by Dittohead not! View Post
    and yet auto insurance offers good driver discounts and charges more for people with DUI tickets and the like. Why can't health insurance do the same?
    It's all down to the actuaries and what the state insurance commissions allow.

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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by radcen View Post
    Good/bad driving is easier to assess than good/bad health. Body type and/or weight is a horribly imperfect measure. Might as well flip a coin or have a computer pick people at random for higher rates.
    It's a pretty safe bet that a 5'5" 400 pound smoker is a higher risk than a 5'5"120 pound non smoker. What do you think the former would pay for life insurance?
    "Donald Trump is a phony, a fraud... [he's] playing the American public for suckers." Mitt Romney

  4. #174
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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by clownboy View Post
    It's all down to the actuaries and what the state insurance commissions allow.
    Legally, yes, but I think the purpose of the discussion is deeper than simply what the law does or does not allow.

    *Why* does the state legislate/rule they way they do? Is it a fair standard? Should it be changed?
    If you claim sexual harassment to be wrong, yet you defend anyone on your side for any reason,
    then you are a hypocrite and everything you say on the matter is just babble.

  5. #175
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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by Dittohead not! View Post
    It's a pretty safe bet that a 5'5" 400 pound smoker is a higher risk than a 5'5"120 pound non smoker. What do you think the former would pay for life insurance?
    It's easy to "prove" one's own point using extremes. Problem is, it doesn't really prove anything as it doesn't address the vast majority in between.
    If you claim sexual harassment to be wrong, yet you defend anyone on your side for any reason,
    then you are a hypocrite and everything you say on the matter is just babble.

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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by radcen View Post
    It's easy to "prove" one's own point using extremes. Problem is, it doesn't really prove anything as it doesn't address the vast majority in between.
    Standards could be set just as they are with life insurance.
    "Donald Trump is a phony, a fraud... [he's] playing the American public for suckers." Mitt Romney

  7. #177
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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by radcen View Post
    Good/bad driving is easier to assess than good/bad health. Body type and/or weight is a horribly imperfect measure. Might as well flip a coin or have a computer pick people at random for higher rates.

    Ummm having good or bad health is extremely easy to assess and body weight is an extremely accurate indicator of a persons health..



    Something tells me doctors don't tell the 240 pound person "You're doing great Fred".

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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by Bob Blaylock View Post
    It's fairly obvious that you do not have a useful understanding of type 2 diabetes, or the genetic condition that underlies it; and you do not have any grasp of how difficult this condition makes it for some of those who have it to maintain the balance that you so simplistically think you understand between calories taken in, and calories used through exercise.

    Yes, anyone with this condition can, in theory, maintain a healthy weight, but for many, it is not nearly as easy as you think it is. I've been extraordinarily fortunate in this respect, but most others on my father's side of the family have not been.
    Type 2 Diabetes runs in my family as well. For that matter so does heart disease and cancer. However, with regular cardio exercise and strength training, maintaining a whole foods diet that is high in fruits and vegetables, avoiding processed and fast food, not smoking, and avoiding heavy drinking, one can almost eliminate their chance of ever developing type 2 diabetes even with a strong family history of it.

    As to the opening poll, the question as I see it, is should personal health choices be factored into the costs of health insurance premiums just like driving habits are factored into auto insurance premiums.
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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by Ryan5 View Post
    Ummm having good or bad health is extremely easy to assess and body weight is an extremely accurate indicator of a persons health..

    Something tells me doctors don't tell the 240 pound person "You're doing great Fred".
    What leeway would you allow? (If you were the Health Czar)

    If a person's ideal weight for their height were 165 lbs, would you allow 170? 190? 210? Obviously 240 would be unacceptable, based on your comment above. Would you allow no leeway at all?
    Last edited by radcen; 06-22-14 at 04:12 PM.
    If you claim sexual harassment to be wrong, yet you defend anyone on your side for any reason,
    then you are a hypocrite and everything you say on the matter is just babble.

  10. #180
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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by radcen View Post
    Good/bad driving is easier to assess than good/bad health. Body type and/or weight is a horribly imperfect measure. Might as well flip a coin or have a computer pick people at random for higher rates.
    It's pretty easy to determine body fat percentage.
    "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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