View Poll Results: (Fill in the blank) People should pay more for health insurance if they _________.

Voters
39. You may not vote on this poll
  • smoke

    28 71.79%
  • are overweight

    19 48.72%
  • are underweight

    8 20.51%
  • don't exercise on a normal basis or aren't active

    10 25.64%
  • don't eat a balanced diet

    9 23.08%
  • have a previous medical condition

    12 30.77%
  • have a family history of a medical condition

    6 15.38%
  • are older

    16 41.03%
  • can afford it

    3 7.69%
  • Other (explain)

    10 25.64%
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Thread: When should health insurance cost more for someone?

  1. #21
    Educator Jucon's Avatar
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Ikari View Post
    Then why have insurance? Why not just do something about the market price of medical treatment and allow people to reap the repercussions and consequences of their actions or circumstances?
    Like I said, not an extreme amount more... just more in general. I'm not saying $100+ extra a month w/ a previous condition. The amount should be reasonable.
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  2. #22
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Harry Guerrilla View Post
    I saying that, if a person has lung cancer and still smokes.
    In some cases, diabetes can be controlled through diet.

    What about for things like that?
    If they're still smoking and/or overweight, by all means charge them more. I'm saying that their particular conditions shouldn't be a factor at all, because it would be too complicated to label specific conditions as resulting from lifestyles and other conditions as unpreventable.
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  3. #23
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Kandahar View Post
    If they're still smoking and/or overweight, by all means charge them more. I'm saying that their particular conditions shouldn't be a factor at all, because it would be too complicated to label specific conditions as resulting from lifestyles and other conditions as unpreventable.
    Just curious.

    If we're going to have heavily regulated insurance and all that jazz, we should be heavily punitive to lifestyles that don't benefit the health of a person.

    Diabetes is one of them, a great many people could go off medication, if they used the diet control method.
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  4. #24
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Ikari View Post
    Because that's the point of insurance.
    No... the point is to aggregate the cost, as you said.
    Charging someone more because they increase that cost doesn't negate that point.

  5. #25
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Harry Guerrilla View Post
    Just curious.
    If we're going to have heavily regulated insurance and all that jazz, we should be heavily punitive to lifestyles that don't benefit the health of a person.
    You think that's not the eventual plan?

  6. #26
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Goobieman View Post
    No... the point is to aggregate the cost, as you said.
    Charging someone more because they increase that cost doesn't negate that point.
    Yes it does, because you are no longer aggregating the cost. You are now using market values to charge people according to their specific risk level. That's not insurance, that's a scam. Once you lose the aggregating nature of insurance, what you have is no longer insurance. Maybe a forced savings account based on personal risk; but it no longer functions as insurance.
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  7. #27
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Goobieman View Post
    You think that's not the eventual plan?
    I precede it with "if" so if that is the plan, it should be done with that in mind.

    Not trying to debate UHC and all that, just discussing insurance today.
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  8. #28
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Ikari View Post
    Yes it does, because you are no longer aggregating the cost.
    Sure you are. You still dont pay for the huge majority of the services you receive, the healthy people still do that. The cost is still aggregated - you just pay a little more because you are a greater risk to create a greater cost. This doesnt negate the point of insurance in any way.

  9. #29
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Goobieman View Post
    Sure you are. You still dont pay for the huge majority of the services you receive, the healthy people still do that. The cost is still aggregated - you just pay a little more because you are a greater risk to create a greater cost. This doesnt negate the point of insurance in any way.
    It makes it not insurance though. You're using market values and risk assessment for premiums. Wherein the point of insurance is to take money from a group (money depends on the type of coverage desired) and spread out all the risk. But now you're not spreading the risk, you're assessing it individually. At which point I see no need for the insurance at all. If the problem is inflated cost of medical access and procedures; then we can address that and allow people to choose to have insurance or not have it and pay their own way should something bad happen to them. Once you start getting into risk assessment you no longer have insurance. You have at best a "savings account". Though you'll pay way more into it than you get out and you'll never recover the difference. So it's a real ****ty savings account.
    You know the time is right to take control, we gotta take offense against the status quo

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  10. #30
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Jucon View Post
    Fill in the blank.

    I personally feel people who live healthier lives should have to pay less, or people who live less healthy lives should pay more. But then, how do doctors gauge someone's overall health? Someone can say they don't smoke but really do. Or say they eat healthy but really don't. Doctors can only work off of what they see once or twice (sometimes less) a year. Not to mention insurance companies never see the patients (to my knowledge), so how do they know the doctor is being honest? And there are so many different ways to live healthy / unhealthy... how would one gauge everything?
    There are no guarantees to cure any health problem or drug prescriptions, so all one can do is helplessly hope for the best.

    ricksfolly

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