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]

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

    Quote Originally Posted by clownboy View Post
    According to the actuaries, no. It's a complex set of rules. The actuaries determine the level of risk by group. The insurance commissions and the law tell the insurance companies who they can/cannot charge more for more risk and when. Secondhand smoke doesn't add risk to the insurance companies.
    It's wrong. My health insurance company has never asked if I smoke or not. Is that a question you had to answer to get health insurance coverage?

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

    Quote Originally Posted by ChrisL View Post
    Are you serious? Who's to say a person doesn't LIVE with a smoker. Speaking of which, should THEY be charged more for insurance too? Second hand smoke risk factor after all.
    Yes, it is.

    I'm not sure we want to encourage them to move out, but maybe. If the smoker has no more consideration that to smoke inside the house, we could be doing the non smoker a favor.
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    Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by ChrisL View Post
    Please post a link. I think you are very wrong.
    On the individual market, or the exchanges, smokers are definitely charged more. And it is spreading to employers' group health plans as well. What I don't understand though is, smokers on Medicare and Medicaid are not charged more.

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

    Quote Originally Posted by The Man View Post
    On the individual market, or the exchanges, smokers are definitely charged more. And it is spreading to employers' group health plans as well. What I don't understand though is, smokers on Medicare and Medicaid are not charged more.
    Well, like I've said, we've already had a very similar plan in place here in Massachusetts since 2006, and I've had several different policies and have never been asked such questions. LIFE insurance OTOH does ask those types of questions. Now, if they start doing this, then it kind of totally blows the whole plan out of the water. People will not be saving any money, people will be dropping their insurance because it will be cheaper for some of them to take the hit in tax penalties, etc.

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

    Quote Originally Posted by Dittohead not! View Post
    Yes, it is.

    I'm not sure we want to encourage them to move out, but maybe. If the smoker has no more consideration that to smoke inside the house, we could be doing the non smoker a favor.
    Lol! "Yes it is" doesn't really address my question. You mean "yes you are serious?" Anyhow, I couldn't disagree more. This just gives the insurance companies another way to nickle and dime people to death and now they are FORCED (essentially) to buy health insurance regardless of how much they will be charged for it.

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

    Quote Originally Posted by ChrisL View Post
    Well, like I've said, we've already had a very similar plan in place here in Massachusetts since 2006, and I've had several different policies and have never been asked such questions. LIFE insurance OTOH does ask those types of questions. Now, if they start doing this, then it kind of totally blows the whole plan out of the water. People will not be saving any money, people will be dropping their insurance because it will be cheaper for some of them to take the hit in tax penalties, etc.
    That's part of why it's a very poor plan.

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

    Quote Originally Posted by ChrisL View Post
    Lol! "Yes it is" doesn't really address my question. You mean "yes you are serious?" Anyhow, I couldn't disagree more. This just gives the insurance companies another way to nickle and dime people to death and now they are FORCED (essentially) to buy health insurance regardless of how much they will be charged for it.
    "Yes it is" means that it's possible that the applicant for health insurance might live with a smoker, and not be one themselves.

    And, who could be against discounts as an incentive to lead healthier lifestyles?
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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    Quote Originally Posted by Dittohead not! View Post
    "Yes it is" means that it's possible that the applicant for health insurance might live with a smoker, and not be one themselves.

    And, who could be against discounts as an incentive to lead healthier lifestyles?
    The health insurance companies are not going to give you a discount. They don't really care about you, only your money.

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

    Quote Originally Posted by ChrisL View Post
    The health insurance companies are not going to give you a discount. They don't really care about you, only your money.
    Correct, but they need to compete for your business. If Company A is offering a discount, the Company B has to follow suit or lose customers.
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    Re: Should medically judged fat people pay higher medical costs? [W:87]

    I could possibly understand charging more for lifestyle choices like obesity and smoking if it lowered health insurance prices for everyone else, but it doesn't, they just pocket the extra money. I haven't ever heard of health insurance dropping in price from one year to the next.

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