View Poll Results: Should those with self-inflicted ailments be charged more for health care?

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  • Yes, their life choices cost everyone more money

    4 20.00%
  • Yes, and higher costs should be expanded to cronic healthcare users (ex:hypochondriac)

    3 15.00%
  • No, everyone should pay the same no matter how much health care you use

    8 40.00%
  • No, with some other reason

    5 25.00%
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Thread: Charge more for healthcare of self-inflicted ailments?

  1. #31
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    Re: Charge more for healthcare of self-inflicted ailments?

    Well, to bolster Gibberish's argument, this does occur right now.

    http://www.ampminsure.org/smoking-premium.html

    Smokers paying extra for health insurance - Addictions- msnbc.com

    A growing number of private and public employers are requiring employees who use tobacco to pay higher premiums, hoping that will motivate more of them to stop smoking and lower health care costs for the companies and their workers.

    Meijer Inc., Gannett Co., American Financial Group Inc., PepsiCo Inc. and Northwest Airlines are among the companies already charging or planning to charge smokers higher premiums. The amounts range from about $20 to $50 a month.
    And that was in 2006.

    I have no problem with this. Personal responsibility. Interesting how several self proclaimed Conservatives have a problem with personal responsibility.
    "If your opponent is of choleric temperament, seek to irritate him." - Sun Tzu

  2. #32
    Stigmatized! End R Word! Kali's Avatar
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    Re: Charge more for healthcare of self-inflicted ailments?

    Quote Originally Posted by Gibberish View Post
    Yes a person can eat healthy and still be overweight by eating more calories than they burn in a day. But, I'm not talking "overweight". I am talking Obese. How many Obese people become Obese with a healthy diet?

    Keep in mind I am excluding genetic disorders.
    But you are still gonna have to police people to find all this out and do you really wish for us to rely on health care peeps to define how much we all pay for healthcare? If up to them we will all be paying out the ass?

    Show me anybody on the face of this Earth and I bet they do something unhealthy so why punish just a select few? It just seem unfair and too nanny like for me to get behind.
    ~Following My Own Flow~

  3. #33
    Stigmatized! End R Word! Kali's Avatar
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    Re: Charge more for healthcare of self-inflicted ailments?

    Quote Originally Posted by obvious Child View Post
    Well, to bolster Gibberish's argument, this does occur right now.

    http://www.ampminsure.org/smoking-premium.html

    Smokers paying extra for health insurance - Addictions- msnbc.com



    And that was in 2006.

    I have no problem with this. Personal responsibility. Interesting how several self proclaimed Conservatives have a problem with personal responsibility.
    I was aware of this because my smoking father has been a Victim towards this crap thanks to his employer

    Funny cause all the fat cat drunks are not having to pay extra though. Just the evil smokers
    ~Following My Own Flow~

  4. #34
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    Re: Charge more for healthcare of self-inflicted ailments?

    Yes. If you cost more, you should pay more.

    However, get rid of insurance period and this problem goes away all by itself.

  5. #35
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    Re: Charge more for healthcare of self-inflicted ailments?

    Quote Originally Posted by rivrrat View Post
    Yes. If you cost more, you should pay more.

    However, get rid of insurance period and this problem goes away all by itself.
    I think that's the point though right? Insurance is supposed to be an institute which aggregates the risk over a large populace. Once you start charging people different rates based on different behavior, it's something radically different from "insurance". At that point, we might as well be paying out of pocket. You'd probably drive down the costs of many common visits and such as well. But so long as it's sold under the guise of "insurance", it should do what insurance was supposed to do...aggregate the risk.
    You know the time is right to take control, we gotta take offense against the status quo

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  6. #36
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    Re: Charge more for healthcare of self-inflicted ailments?

    Quote Originally Posted by Ikari View Post
    I think that's the point though right? Insurance is supposed to be an institute which aggregates the risk over a large populace. Once you start charging people different rates based on different behavior, it's something radically different from "insurance". At that point, we might as well be paying out of pocket. You'd probably drive down the costs of many common visits and such as well. But so long as it's sold under the guise of "insurance", it should do what insurance was supposed to do...aggregate the risk.
    Well, auto insurance does that - charges people different rates based on behavior. Ditto for household insurance, etc. Why should health insurance be any different? Do you think that if I drive in risky ways, have multiple accidents and traffic violations that my auto insurance shouldn't go up?

    When I had health insurance with an employer, I was charged more because I smoked. I didn't have a problem with that. It wasn't like it was a ****load more, it wasn't. It was minimal. However, my risky behavior could potentially cost them a ****load more than the small amount I was required to pay extra.

    I get what you're saying and I think the risk IS still aggregated, otherwise the costs would be so high no one would be able to afford it.

    But, I still firmly believe that if health insurance goes away and we pay out of pocket (along with doing some tort reform and malpractice reform), then costs would go down dramatically. All people would have to do is put away the money they would have spent on insurance and keep it for medical emergencies. Government involvement and insurance companies are THE reason we have such high costs to begin with.

  7. #37
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    Re: Charge more for healthcare of self-inflicted ailments?

    Quote Originally Posted by rivrrat View Post
    Well, auto insurance does that - charges people different rates based on behavior. Ditto for household insurance, etc. Why should health insurance be any different? Do you think that if I drive in risky ways, have multiple accidents and traffic violations that my auto insurance shouldn't go up?
    I think the vast majority of insurance is a scam.
    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."

  8. #38
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    Re: Charge more for healthcare of self-inflicted ailments?

    The government insurance to be must be very careful as to what is covered , and there will be problems.
    The "I don't care" fat slobs must have very limited, very controlled coverage.
    Should pregnancy costs be covered ?
    This is debatable...
    Yes, but partially..
    Responsibility MUST be rewarded at all times.
    Private insurance will take quite a hit, and may not even be around 10 years from now..
    No tears from this old poster.

  9. #39
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    Re: Charge more for healthcare of self-inflicted ailments?

    Quote Originally Posted by Ikari View Post
    I think the vast majority of insurance is a scam.
    Its more complex than that. Its good old-fashioned profiteering.
    But should others profit so due to others misfortunes ?

  10. #40
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    Re: Charge more for healthcare of self-inflicted ailments?

    Quote Originally Posted by earthworm View Post
    Its more complex than that. Its good old-fashioned profiteering.
    But should others profit so due to others misfortunes ?
    Why not?

    People who provide a desired skill and/or service should profit.

    Doctors should profit for their education, skill, and service. But the only way they can do so is for people to have the misfortune of getting sick.

    Mechanics should profit for their skill and service. But the only way they can do so is if you have the misfortune of your car needing repairs.

    Grocery stores should profit for their service of providing food. But the only way they can do that is for people to have the misfortune of being hungry.

    Are you seriously suggesting that people shouldn't work for profit?

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