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. #31
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    Re: When should health insurance cost more for someone?

    Should cost the same no matter what.
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  2. #32
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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.

    Diabetes is one of them, a great many people could go off medication, if they used the diet control method.
    Sounds good to me in theory...I like the idea of people being financially rewarded for healthy lifestyles. I'm just not sure how it would play out in practice. It seems like it would involve a great deal of subjectivity on the part of insurers, would be difficult to monitor effectively, and would be invasive to people's privacy.

    Smoking and obesity are the low-hanging fruit because they're fairly easy to measure, are reasonably objective, and are responsible for the vast majority of behavior-related illnesses.
    Last edited by Kandahar; 08-17-10 at 06:10 PM.
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  3. #33
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Ikari View Post
    It makes it not insurance though.
    Absolutely it is. It does exactly the same thing, the only difference is you pay a little more than some -- and some pay more than you.
    The cost is still spread out over a number of people.

    You're using market values and risk assessment for premiums.
    So what?

    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.
    That doesnt change, Its still insurance.

    But now you're not spreading the risk, you're assessing it individually.
    No, you dont. The cost is still aggregated across the entire pool of people that pays in.

    At which point I see no need for the insurance at all.
    This is only because you're looking at it incorrectly.
    And, of course, under your argument, no one presently has insurance, everyone is assuming the risk themselves - right now.

  4. #34
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by JohnWOlin View Post
    Should cost the same no matter what.
    Why should you, a young healty person, pay the same for your insurance as does someone who is old and sick?

  5. #35
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Goobieman View Post
    Why should you, a young healty person, pay the same for your insurance as does someone who is old and sick?
    If we can smooth out the cost of health insurance over the course of a person's life, instead of cramming nearly the entire cost into the last 10-20 years, it will enable people to plan for their financial futures much more effectively by eliminating a major source of financial uncertainty.
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  6. #36
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Goobieman View Post
    Why should you, a young healty person, pay the same for your insurance as does someone who is old and sick?
    That's exactly what insurance is, Goobie. Exactly.
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  7. #37
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by MaggieD View Post
    That's exactly what insurance is, Goobie. Exactly.
    Not really.

    All other forms of insurance spread risk around to appropriate and similar age groups.
    Would anyone here like to pay the same price for car insurance, that an 16 year old male does, for full coverage?

    Didn't think so.
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  8. #38
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Kandahar View Post
    The guy with the speeding tickets CHOSE to drive recklessly. No one chooses to get leukemia.
    Bad example.

    People choose ro smoke, they choose to be sedentary, they choose to be alcoholic, they choose to be gay.

    And all life choices have a measurable risk that shoulf be reflected in the premium.

  9. #39
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by MaggieD View Post
    That's exactly what insurance is, Goobie. Exactly.
    No. No reason at all for a young man to pay for someone octogenarian's stroke coverage.

    How many women should have the cost of prostate cancer in their premiums?

  10. #40
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Scarecrow Akhbar View Post
    Bad example.

    People choose ro smoke, they choose to be sedentary, they choose to be alcoholic,
    And I have no problem with charging people more for their lifestyle choices. Just not their preexisting conditions (whether they result from those lifestyle choices or not).

    Quote Originally Posted by Scarecrow Akhbar
    they choose to be gay.
    Obvious troll is obvious.
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