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. #51
    Advisor Johnny's Avatar
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by ludahai View Post
    Instead of whining, smokers should stop smoking... Disgusting habit...

    We all have our vices.
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  2. #52
    Advisor Johnny's Avatar
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by ludahai View Post
    True, but one chooses to smoke or engage in a lifestyle that will result in being overweight.


    Or has a low metabolism.

    I know so many people that eat a lot of junk and drink a lot of beer and with no exercise are skinny.
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  3. #53
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by ludahai View Post
    Instead of whining, smokers should stop smoking... Disgusting habit...
    It may be a disgusting habit to you, but let's not pretend it's a costly habit to society when it's effectively subsidizing health care for the rest of us.

  4. #54
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Johnny View Post
    We all have our vices.
    Just do it in private where you don't force that vice on the rest of us who choose to live healthy lifestyles...
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  5. #55
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    Re: When should health insurance cost more for someone?

    Some of these things are impossible to prove, others cannot be weighed.
    I am against insurance as I find it immoral that "business" can make so much money from one's misfortunes. .
    So, its try having no insurance and force people to be responsible for their health.....this sounds good..
    But, we have cancer, which strikes anyone.
    Responsibility is out of the equation.
    And accidents...imagine superman Steve Reeve's medical costs.
    Exactly how to do the developed nations handle this dilemma?
    Germany?
    Canada?
    France?
    Google?

  6. #56
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Johnny View Post
    Or has a low metabolism.

    I know so many people that eat a lot of junk and drink a lot of beer and with no exercise are skinny.
    You can exercise to raise your metabolism, or just realize that fact and adjust your caloric intake accordingly...
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  7. #57
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Kandahar View Post
    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.
    I really dont know how that addresses what I asked.

    For most people, most of their costs come in their last 20-odd years. There's no real way to change that.

  8. #58
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Johnny View Post
    They should charge everyone the same price.

    They should make the categories based on what kind of coverage you want.

    Something like:

    1. Full coverage
    2. 50/50 or something like that.
    3. Catastrophic emergencies


    Not exactly but maybe you get the idea.

    The government should stay the hell out of it though.

    Also, people should try to shop around and negotiate with doctors and learn how much it really costs.

    The government and insurance companies make care more expensive than it really is.
    They aren't going to charge everyone the same price unless the government forces them to do so. What possible reason would they have to do so on their own?
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  9. #59
    Banned Goobieman's Avatar
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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... insurance is a means to aggregate cost across a number of people.

  10. #60
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    Re: When should health insurance cost more for someone?

    Quote Originally Posted by Goobieman View Post
    I really dont know how that addresses what I asked.
    A direct answer to your question doesn't address what you asked? What exactly did you find unclear or confusing about my response?

    Quote Originally Posted by Goobieman
    For most people, most of their costs come in their last 20-odd years. There's no real way to change that.
    Yes there is. We can smooth out the cost of insurance by mandating that insurers charge old and young the same price (or at least in the same ballpark). People will pay more than the market says they should when they're younger, and less than the market says they should when they're older. For most people who live normal lifespans, this will balance out over the course of their lives. This means that people will be more financially secure and better able to plan for their retirement, their kids' college, and/or their kids' inheritance because they won't have the uncertainty associated with end-of-life health care costs hanging over their head.
    Last edited by Kandahar; 08-18-10 at 12:58 PM.
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