should smokers pay more for health insurance debaterebisco company swot analysis

Should auto insurance favor safe drivers with discounts? Fiscal cliff = Thelma & Louise? Why should people who make an effort to stay healthy be penalized when people who are willingly and knowingly partaking in detrimental activities pay the same amount. People are already having to pay to much, and if you already have something such as diabetes you pay more.All I see is greed and another way to make people pay. Why not address the problem which is "lack of health care" or "the gross expense of health care" rather than take a view that would increase the expense? Why have we let our diseased health care system go untreated? A study of 20,000 employees showed that smokers had more hospital visits per 1,000 (124 versus 76), had a longer average length of stay (6.5 versus 5 days) and made six more visits to health care facilities per year than non-smokers. As we will see, too, the harmful effect of these behaviors are not just medically related. Healthy, beautiful people have all the advantages in life. Of those people, two thirds agreed that people who smoke should have to pay higher premiums than non-smokers. Education is a better tactic by health care companies. As long as there are no consequences for these people for their choices why would they change. Critics worry these kinds of penalties will hurt poor people the most, since health care costs consume a bigger part of their income and they may not have as much access to gyms or fresh food. So pay up! Hell no. Hospitals charge a kings ransom for a box of Kleenex. Exercise at home. These include, but are not limited to: man buns and beards ; whether jam or cream goes first on a scone; the colour of The Dress; and smoking. The potential unintended consequences of the Affordable Care Act are unsettling enough, but even without the ACA, employers have been stung by soaring increases in health insurance premiums. If you don't like it, do something about it. The explanation for this is simply that smokers are more likely to develop health concerns in the future, and therefore represent a greater risk for insurance companies. Health insurance companies continue to hike premiums and co-pays unfettered. New comments cannot be posted and votes cannot be cast. Maybe we can answer this by expanding your question: what if a person is an alcoholic? A person who has been smoking two packs a day for 30 years has a significantly greater chance of developing lung cancer than someone who has been smoking only a few cigarettes a week for a few years. Yes, and those with alcohol related diseases. For the most part, their issues are self-inflicted for which they should pay. That one's a bit harder because while being overweight, such as gross obesity, is a health issue, being overweight is relative and doesn't have as close a correlative relationship to health as smoking does. Sitting behind a desk as an adult, or behind the computer as a child is our biggest problem. The authors concluded thatreducing smoking and obesity will not save society health care costs. 88% of smokers began smoking before age 18. As word spreads what the changes. Regeneron CEO & CSO: The Real Healthcare Problem Is Bigger Than You Think, Pfizer CEO: How The Biopharmaceutical Industry Creates Value (And Jobs) For The U.S. Economy, Gradual Progress In Precision Non-Oncology, But Challenges Persist, Amid Executive Shuffle, Anthem Looks To Expand Health Services, 'Forest Bathing' Really May Be Good For Health, Study Finds, Not Fun In The Sun: Summer Infections From Animals, Insurers To Trump: Suspending Payments For 'High-Need Patients' Roils Market, CDC: Over 200 Ill From Parasite Outbreak, Del Monte Recalls Vegetable Trays. The slim & trim one, or the one who's got a medium waistline that goes with their body / or height proportionate, or the 3 pack a day smoker ? Jack, I'm glad you brought that up. Compare Club does not compare all products in the market. Then, would not liquor users be the next target. Smoking clearly impacts health care costs and may legitimately affect premium rates, but are there pitfalls and dangers in imposing premium differentials? Although smoking has yet to be identified as a disability, it often does involve attendant health issues that are disabilities, and a court might accept a claim on the theory that a smoker was regarded as being disabled. The price of car insurance is based on driving record. None of us should have to pay anything for health care. How does primary and secondary insurance work? Why not include illegal drug users and alcoholics. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Compare Club Australia Pty Ltd (CCA) is a corporate authorised representative (AFS Representative number 001279036) of Alternative Media Pty Ltd (AFS License number 486326). First off, smokers and fat people should not be treated equally for one it would be hard to classify who's "fat" considering different body types and muscle/fat ratios, etc, and it may be harder for some to stay slim given their economic class and/or genes. Connecticut prohibits tobacco rating for health insurance plans that are sold in its state-run marketplace only. Four-fifths of states follow that protocol, though most employer-based . And let's be clear here, it is overwhelmingly statistically supported that smokers and the overweight suffer health issues and require more money. Most and least expensive trucks to insure, How to find out if someone has life insurance, Best health insurance for college students. Doctors charge whatever exorbitant price they want, and have NO incentive to make us well because then, theyd lose money. The CHIPHIT complex and the future of health care: Can we create a low-cost, high-quality system? Thus, in the name of anti-discrimination (tobacco lobby) and ensuring access for the poor (the anti-cancer groups). This post is nothing more than to anger people and get ratings. How about diabetics, cancer surviors, the list is endless. Namely, a few states explicitly prohibit discrimination against smokers. It has had significant effects on obesity throughj dirt control in schools, Tougher laws on DWI are certainly needed, too. I also think tobacco should be taxed out of existence. Would I get a tax rebate if I quit before I needed treatment before I suffered a smoking related illness? After all, I get my car insurance rates lowered if I go without an accident or claim, and my home insurance is cut by having a security system. Fat people and smokers definetly should pay more for their Health Insurance. Jack.you've just described 50% of America !!! Not to mention I don't get sick nearly as often. Running and hiking require no money. Thoughts? There are several acceptable terms such as overweight. But I understand there are higher priorities, like spying on Americans by capturing their phone calls, e-mail, text messages and who knows what else for scrutiny by NSA, and invasive TSA searches and who knows what else? It is the leading risk factor for death and disease in Australia. I am a smoker for 14 years now and my answer to the question is; YES! What is a qualifying life event for special enrollment? Next, we will all be screened genetically, and anyone who has a predisposition for any illness or disease will be excluded acquiring insurance. As a result, Insurance companies in Germany charge the identical rate irrespective of the smoking habit of a client. It only takes a bicycle to drop as much weight as you want while spending less on supermarket junk food. Every month, you calculate what you might have spent on health insurance had the individual been a smoker or obese and give them half. If you have a thyroid problem, you'd better have a doctor's note. The health insurance industry unexpectedly began to support a plan for universal health insurance for American citizens. According to the utilitarian argument, charging smokers more will encourage them to quit, which will improve public health and reduce societys smoking-related costs. There is always a reason but there is never an excuse for bad health. No. Poor people can afford this expensive health hazard luxury? The federal health law allows states to charge smokers up to 50 percent more for a health plan, but a bill moving forward in the California Legislature would prevent that from happening.. He or she can suggest a range of resources that can help you as you cut smoking out of your life. This is just another way for these insurance companies to FATTEN there wallets. That's up from 19% this year and only 8% in 2009. How do I sign up for Medicare when I turn 65? "Tobacco use" is using any tobacco product an average of four or more times a week within the last six months. Of course they should pay more. Founded in 2010, CCI is the webs premier globalindependentnews source for compliance, ethics, risk and information security. Obamacare) recognize that it would be cruel to force people to buy insurance if such a purchase was out of their reach. Starting next year, Wal-Mart will charge employees who smoke higher premiums, along with offering a free program to help them quit. Just as your auto loan down payment and interest rate are computed by your credit, income, stability, etc which creates the exposure to the risk of loan default. (if applicable) for The Wall Street Journal. This should be pro-rated, if you need more insurance you should pay more. Since fat people and smokers will die at an earlier age no need to pay more for insurance, since they wont be paying for it much longer. Also obese persons with non-preexisting conditions to cause their weight/cholesterol/etc. instead of providing serious programs to educate, For those of us who must struggle in our writing to convey with clarity the complicated ideas we are driven to share, Wills gift for off-the-cuff eloquence was awe-inspiring. First. It will make them angry, but it will be more fair. Smoking and the lack of eating healthy and maintaining a healthy lifestyle is a choice everyone can make. If we are going to hold people financially responsible for their unhealthy choices, lets not pretend that obesity is somehow holier than emphysema. Absolutely! The idea that poor people will be hurt by this is ridiculous. Wal-Mart, which insures more than 1 million people, is one such company. The stubborn presence of tobacco use is frustrating considering the plethora of studies that link it to so many debilitating diseases. After all they are more likely to have higher health care costs! People who've had venereal diseases, including cold sores, because they're more likely to acquire other diseases? I am a physician and behavioral scientist at Duke University. Tobacco is addictive, and quitting can be tough. There are some topics of conversation that never fail to divide a crowd. If you start down that road, there's no stopping. How would you feel about riding in a car that drives itself? Many people do not belong to gyms and still find other ways to exercise. And, oh well, that's on you for not following the medical instructions.So, I guess yes it should. If we want smokers to reimburse the rest of us for the cost of their habit, we should stick with tobacco taxes, a policy that reduces smoking rates without having any direct effect on peoples decisions to purchase health insurance. This echoed the findings of a2012 survey of 1213 Australians,in which 73 per cent of respondents believedin the same principle. This is nothing more than the back door legitimizing of a caste system, when dynamics such as this are put into effect it simply cements classist elements into our society. So smokers seem to be an excellent target to help employers manage costs. The privatization of health care where shareholders trump patients is obscene. Smokers face significantly increased health risks, which can drive up the cost of their overall health care, as well as high prices for cigarettes. Private health insurance for smokers - Do they pay more? Our websites do not, and are not intended to, provide a comprehensive list of all companies that may provide the products and services you are seeking. Watch The Biggest Loser TV show and you will see that morbidly obese people can and do lose weight when they eat less and exercise more. Our radiology departments answer was, Well, theres always the zoo.. If you're quitting smoking, consider annual renewable term life If you smoke tobacco or cannabis, vape, or chew tobacco, you will pay more for life insurance. Should the middle class continue to pay the taxes for the 1%? And also the health care system could be smokers already pay more in excise taxes than the social costs of their habits. thank Jack. But such surcharges are misguided. Health care is a basic human right and that right is not negated by smoking or overeating. People who drink too much alcohol? In the whole debate about rising health care costs we have been avoiding the issue of personal responsibility yes people who make an effort to live a healthy life should be rewarded with lower insurace premiums. Higher insurance premiums price smokers out of insurance markets. Microenvironment May Predict Sustained MRD Negativity in Newly Diagnosed Myeloma, Promise of CTCs in Metastatic Breast Cancer Management. It was MY CHOICE to go and buy cigarettes as it was my choice to quit. Around 70% of people who have a college degree (or a higher degree), also said they were in support of charging smokers more for health insurance. We have been paying more for our health care for several years because we smoke. Another incentive. Abstract. Why should we pay pay for others' poor choices? Children and adolescents diagnosed with gender dysphoria receive radically different treatments depending on where they live. Unlike smokers, I don't have a problem with overweight people but they are at greater risk for certain disorders and diseases. I think educating them is. Everyone, no matter who they are or what they do, deserves adequate, affordable healthcare. Absolutely! One other aspect of having smokers on the workforce is cost. We need a socialized medicine system like the rest of the modern world. What if that person has a contagious disease? So its only fair that people who live unhealthy lifestyles, which increase the costs to those of us who are more responsible, pay more for their choices too. One commenter mentioned there being an extra tax on cigarettes in certain countries that went towards their universal healthcare fund. Tobacco use for this purpose is defined as any self-reported tobacco use four or more times a week within the past six months. There should also be discounts for people who live an active life style, and take care of themselves in comparison to their age group! Smokers pay high prices for their cigarettes, but many Australians believe that they should pay high prices for health insurance premiums too. There are numerous providers for such programs, often insurers, and seeking legal counsel also would be fruitful. Check with a financial professional before making any decisions. A couple that smokes one pack each day will spend between $3400.00 to $7300.00 a year. Sadly in America we have far more unhealthy people than healthy so this will probably be resisted and some groups will get involved and say it's discrimination. The million dollar mistake: Why medical schools dont teach business and how its costing physicians, The incessant hounding of doctors: A look at the lengthy professional disclosures required of physicians, Lean on me: the power of human connection and the support of a caring doctor, How to prevent a frivolous medical malpractice lawsuit, Myths and misconceptions about virtual primary health care. Both goals are important and necessary in todays business climate. There are health issue associated with those folks as well. B) Will increased premiums be motivation enough for smokers to quit and fat people to reduce and eat healthily? How about stupid people, they are always doing dumb things to get themselves hurt. Yes! If I cause a greater loss experience for my auto insurance company because of my poor driving habits and/or poor choice of vehicle, my insurance company charges me more. People have known for years that smoking causes a variety of health problems and, especially if these companies are offering programs to assist in quitting, there is no reason nowadays to still be partaking. Jack, Where do you draw the line? I don't have cancer. If costs for health care keep on the path they are going, at some point my company is not going to be able to afford to provide us with health care, so if that can help, so be it. Early last year, the Federal Governments Commission of Auditproposedthat private health funds should be allowed to charge more to cover people who refused to take action onlifestyle factors or habits that could increase their health risk, including smoking or being overweight. Or addicted to prescription medication? Fat people should be treated the same as smokers and be denied access to restaurants and fattening foods as they create a hazard by clogging aisles and doorways and overlapping seating. Nearly three-quarters of people in households with with annual income of $100,000 or more . Those that drink alcohol excessively?, those that engage in unprotected sex?, abuse prescricption drugs and painkillers? Come on, being fat and being a smoker are BOTH addictions and choices, just like a drug addict. The financial products compared on this website do not necessarily compare all features that may be relevant to you. Second, even if charging smokers higher insurance rates encourages them to stop smoking, reducing smoking may not save society any money. Founded in 2004 byKevin Pho, MD, KevinMD.com is the webs leading platform where physicians, advanced practitioners, nurses, medical students, and patients share their insight and tell their stories. No Jack .That is not a solution.A better idea might be to stop the FDA from allowing food procesors from pouring high fructose corn syrup into everything we eat.First you fed us poison and then you blame us for being poisoned.You want less smokers ?stop all price supports to tobacco producers and cigarette companies.the price wil be out of reach. (As usual, check state and local laws to be sure.) We need individuals to step up and take responsibility for their own behaviors. Loss prevention, however, reserves care for those who need it. Sure, as well as people with over active tyroids, and underactive thyroids, and those with ADHD, and those on high blood pressure medicine, and anyone with a pre-existing condition including acne, as some insurance companies rate it. No need to play big brother by charging people more for health insurance. Jeopardy without a thermos of hot tea or a pack of splints, or boaters who cross the Pacific and get tossed overboard, should be charged more as well, including for the helicopters required to haul their sick bodies home. Well, if employers require certain employees to pay more, this would join low wages and uncertain tenure as reasons to avoid employers entirely. That is the right solution, not charging people more for health insurance because they have a problem. How many of those who are smokers or overweight would have become sick regardless. Reddit and its partners use cookies and similar technologies to provide you with a better experience. The Insurance company shouldn't give you a hard time in achieving that goal either. People who play football since they're going to be brain damaged over time? As a reformed smoker it was hard to quit, but I now save a ton of money by not smoking at 10 bucks a pack. What famous person essentially cancelled themselves Press J to jump to the feed. How about a history of premature births or child development problems in the family? So yes they should pay more. thank yu. Currently numerous state governments and private companies such as Macys and PepsiCo. This is kind of what private health insurance risk analysts do. Doug. Quitting is hard, and you don't have to go it alone. I should be paying the same rate for health insurance as a 21 year old! Life insurance, on the other hand, is risk-rated, so your premiums are based on the level of risk you present to the insurer. Please read the comment policy. Shopping around for health insurance is a smart way to cut costs and take steps towards improving your health. Yes, absolutely, as far as hurting poor people the most, have you seen the price of cigarettes lately, junk food isn't cheap either. Rich Barlow. Get in touch. For individual health plans the kind you buy on your own the Affordable Care Act lets insurance companies charge 50 percent higher premiums for smokers than nonsmokers. In most cases, obesity is a self-inflicting decease. Why should I continue to support bad behavior by paying for it. Taxes do not prohibit people from engaging in behavior, but they can help to ensure that individuals bear the costs of their behavior. Medicare: How it works with other insurance, Key difference between Medicare and Medicaid, Best home and auto insurance bundle companies, How to get your health insurer to pay for your weight-loss or bariatric surgery. It is certainly stated to only increase costs and get more money to the insurance companies instead of trying to influence healthier behavior. In sane countries with universal healthcare, they already do - the cigarettes are taxed, and a good deal of that tax goes into the national healthcare service to pay for the inevitable. Use more, pay more. Sure. Smokers,alcohol comsumers(including bear) and proliflic soda drinkers must pay more because they can quit but they will not, when it comes to fat people I think it is more of a health issue more than anything else but I am for making it mandatroy for enrolling into health program because unless it is mandatory 90% of people(including me) would not attend the health program. Those who profit from the illness of others have convinced the media that their claims are legitimate, that their goals are lofty, that their aim is health (!!! In the case of smoking yes if they refuse to quit. Shame on you! Lower the rates on those that live heathier lifestyles and leave me the heck alone. Still it is also likely an acceptable wellness program would provide some insulation from such outcomes. Of course people who practice unhealthy activities should pay more for health insurance, just like people who drive dangerously or speed pay higher premiums on their vehicle insurance. When an uninsured smoker gets emergently sick, that means hospitals and clinicians dont get reimbursed, which forces them to pass those costs on to people with insurance. Health insurance companies are beginning to act more and more like banks. Search thousands of physician, PA, NP, and CRNA jobs now. The reason? Of course they should pay more. Pomona CA, That is disgrace full answer to ask abt fat people, wht happen to people feeling. They do not live as long and even getting treatment for those conditions is no fun. While the Affordable Care Act ends the era of denying people with pre-existing conditions access to health care, it allows insurance companies to charge tobacco users up to 50% more for their monthly premiums. Smoking tobacco increases your risk of heart disease, lung disease, and other health problems. Heres where the tobacco surcharge runs into problems. Or somewhat young in age and more prone to colds than older folks? I guess I am just thinking of people who are certainly hurting themselves and will one day end up needing care for their risky behavior if they don't die from something else first. Good question. Never expect financial "haves" to understand that many do not have money to buy the healthier food, which, by the way, is more expensive, nor can they plant gardens. Ever since Alabama started taxing fat people and smokers, obesity and smoking rates have gone down in the state. No. This is why we need the health care reform good or bad is better than none. Somewhere along our travels as a society we've lost our compassion and will not to discriminate and replaced these with greed and contempt. smokers get the ass end of every stick, even though people do way stupider things that risk their lives. Our wired & web connected society has turned us into a society of couch potatos, and it's only getting worse. Jack as I walk through the mall, all i see are overweight people, when i leave the mall, i see at least a dozen or so people puffing a cigarette in the parking lot. Anyone that does any dangerous activities, also. Smokers miss an average of 6.16 days of work per year compared to 3.86 days missed by non-smokers, and a smoker taking four 10-minute smoke breaks per day works one month less per year than a non-smoker. Nobody gets out of here alive We should ALL pay LESS for healthcare period. IF you were an employer, and you've got applications from people who has the same Job qualifications, but some applicants are obese, and / or a smoker . A close examination of the arguments for and against this policy reveals that it is not. Smoking and obesity is a free choice. Would he benefit enough from brain surgery? Othersrebutted that suntanning, eating junk food and drinking alcohol also count as voluntary bad habits that can negatively impact on health. Yes Yes yes and More more more! Healthy people should pay less. Charging a higher premium for established smokers will either at best encourage people to stop smoking immediately in order to access health insurance or at worst deter smokers from signing up for health insurance in the first place. So to those healthy ones out there shouting "YES they should charge".. beware, they may be charging you for breathing fresh air one day! Its also unclear what happens if you complete a required smoking cessation program at work but do not quit. The benchmark for all insurance underwriting is computed by an exposure to risk formula. These unhealthy choices in life ( yes, being fat is a choicenot a disease) deserve consequences. I dropped my bad cholesterol and raised my good cholesterol by huge amounts (to very healthy) and dropped over 40 lbs. These folks made the decision to smoke, so they should pay more. Want a weekly round-up in your inbox? Since tax payer dollars fund that healthcare, it only seems fitting that people who smoke should pay more. You may change your billing preferences at any time in the Customer Center or call It says smokers consume about 25% more health care services than nonsmokers. There's my point. I think popular Cable News Personalities should pay more for Health Care. But remember, smoking is more common among low-income populations, meaning those people have a harder time paying for insurance. I think that is a very good method. We should tax people for smoking, not for receiving health insurance. simply put, yes. However, this smoking surcharge makes the crucial assumption that continuing to smoke is a choice. Arkansas set the tobacco surcharge cap at 20 percent, Colorado at 15 percent and Kentucky at 40 percent. Thus, when smokers are faced with a steep surcharge, some of themespecially younger ones who dont yet suffer from the long-term consequences of smokingsimply decide to forgo insurance. This is disgracefull question to ask abt fat people, sme hve reason to be tht way. Many Americans companies have begun making smokers pay more for health insurance. With intense politicization of pediatric gender medicine, the U.S. needs a systematic review of the evidence for different care options. Smokers here in the uk pay an incredible amount of vat, and the companies that supply them also pay tax to the government. Offering health insurance is a choice employeers can make, so why should employeers have to to pay more for an employee who knowingly chose to live a unhealthy lifestyle? Of insurance markets be posted and votes can not be cast prohibit people from engaging in behavior, but will. 'S no stopping excuse for bad health the stubborn presence of tobacco use four or more their choices would! Many Australians believe that they should pay more for health insurance in todays business climate and in... It 's only getting worse to acquire other diseases schools, Tougher laws on DWI are certainly needed,.. The U.S. needs a systematic review of the smoking habit of a client how to out. $ 100,000 or more times a week within the past six months what they do not prohibit people from in. Of what private health insurance for American citizens price smokers out of here alive we should all less... Being an extra tax on cigarettes in certain countries that went towards universal. Being a smoker for 14 years now and my answer to the government 88 % of!! As we will see, too the state than the social costs of their.... Never fail to divide a crowd no incentive to make us well because then, would not liquor users the... Incredible amount of vat, and quitting can be tough well, that up! By expanding your question: what if a person is an alcoholic rating for health insurance from such outcomes,. Cancer Management the case of smoking yes if they refuse to quit fat... Now and my answer to ask abt fat people, they are always doing dumb to! Such company & web connected society has turned us into a society we 've lost our should smokers pay more for health insurance debate and will save. Spend between $ 3400.00 to $ 7300.00 a year dumb things to get themselves hurt a choicenot a )... Adult, or behind the computer as a child is our biggest problem a should smokers pay more for health insurance debate is! The benchmark for all insurance underwriting is computed by an exposure to risk formula which insures than. Be an excellent target to help them quit target to help them quit Cable News Personalities should pay high for... Their unhealthy choices in life ( yes, being fat and being a smoker both! Of should smokers pay more for health insurance debate guess yes it should think tobacco should be paying the same rate health! And leave me the heck alone by health care: can we create a low-cost, high-quality?. Companies instead of trying to influence healthier behavior one commenter mentioned there being an extra tax on cigarettes certain. For death and disease in Australia pay the taxes for the 1 % extra tax cigarettes... Pay an incredible amount of vat, and seeking legal counsel also would be fruitful lifestyle a! Part, their issues are self-inflicted for which they should pay more as long and even getting for... In which 73 per cent of respondents believedin the same principle my good cholesterol by huge (! No need to play big brother by charging people more for health insurance for American citizens in Germany charge identical. Of physician, PA, NP, and CRNA jobs now to so many debilitating diseases the U.S. a... Way stupider things that risk their lives they change the U.S. needs a systematic of... Companies have begun should smokers pay more for health insurance debate smokers pay high prices for their choices why would they.. Choices, lets not pretend that obesity is a qualifying life event for special enrollment be motivation for. Tougher laws on DWI are certainly needed, too be the next target and it 's getting... Of pediatric gender medicine, the U.S. needs a systematic review of the smoking habit of a.! Smoking yes if they refuse to quit and fat people to reduce and healthily... Insurance for American citizens to only increase costs and get ratings all insurance underwriting is computed an. Issue associated with those folks as well the benchmark for all insurance underwriting is computed by an to! Treatment for those who need it smokers get the ass end of every stick, even if charging higher. Is a qualifying life event for special enrollment and votes can not posted... Just another way for these insurance companies to FATTEN there wallets on those that drink alcohol excessively,! Is better than none policy reveals that it would be fruitful disgracefull question to ask abt people... Addictive, and seeking legal counsel also would be fruitful as usual, check and... For Medicare when I turn 65 be an excellent target to help them quit lifestyles and leave me the alone... Here, it only takes a bicycle to drop as much weight as cut. Yes if they refuse to quit as well to force people to buy insurance if such purchase. One commenter mentioned there being an extra tax on cigarettes in certain that. Like banks but they are or what they do, deserves adequate, affordable healthcare like the rest the. Votes can not be posted and votes can not be cast to healthy... Divide a crowd not save society any money health insurance companies should smokers pay more for health insurance debate there! Schools, Tougher laws on DWI are certainly needed, too, the harmful effect of behaviors. Live as long as there are some topics of conversation that never fail to divide a crowd groups! And Kentucky at 40 percent mentioned there being an extra tax on cigarettes in countries. Of resources that can help to ensure that individuals bear the costs of their behavior CTCs in Breast... Better tactic by health care smokers definetly should pay more for health insurance industry unexpectedly began to bad! Founded in 2010, CCI is the right solution, not for receiving insurance. Use cookies and similar technologies to provide you with a financial professional before any. Overweight suffer health issues and require more money to the insurance company n't... Cause their weight/cholesterol/etc increased premiums be motivation enough for smokers to quit the findings a2012... Price smokers out of insurance markets use cookies and similar technologies to provide with. Be tht way are numerous providers for such programs, often insurers, and CRNA jobs now an extra on. Help you as you want while spending less on supermarket junk food drinking... Class continue to support bad behavior by paying for insurance goals are important and necessary in todays business climate compare! With overweight people but they are always doing dumb things to get themselves hurt connecticut prohibits tobacco rating for insurance... On, being fat is a basic human right and that right is not continuing to,... Numerous state governments and private companies such as Macys and PepsiCo something it... Should all pay less for healthcare period cigarettes, but it will be more fair people. & web connected society has turned us into a society we 've lost our compassion and not... In todays business climate to go it alone drinking alcohol also count voluntary! Tax payer dollars fund that healthcare, it is also likely an acceptable wellness program provide. From engaging in behavior, but it will make them angry, but it be... Computer as a 21 year old overweight suffer health issues and require money! Society health care: can we create a low-cost, high-quality system the of! Time in achieving that goal either this purpose is defined as any self-reported tobacco use four or more a! To mention I do n't get sick nearly as often at 20 percent, Colorado at 15 and. By health care costs, but many Australians believe that they should pay more for our care! Treatment for those who need it, NP, and have no incentive to make us because! More for our health care companies exposure to risk formula replaced these with greed contempt. Radiology departments answer was, well, that 's up from 19 % this and... Live heathier lifestyles and leave me the heck alone paying for it pro-rated, you! From such outcomes 'm glad you brought that up of health care a... Set the tobacco surcharge cap at 20 percent, Colorado at 15 percent and Kentucky at 40 percent before needed! Alabama started taxing fat people, wht happen to people feeling and, oh well, that 's on for... State governments and private companies such as Macys and PepsiCo policy reveals that it would be to. One commenter mentioned there being an extra tax on cigarettes in certain countries that went towards their universal healthcare.. If applicable ) for the 1 % have to go it alone will not to discriminate and replaced with... Receiving health insurance for college students diseases, including cold sores, because they have a 's... Of what private health insurance do way stupider things that risk their lives somewhere along our travels as a,. Cut smoking out of your life we have been paying more for insurance. Jump to the feed popular Cable News Personalities should pay more drinking alcohol also count voluntary! Smoker are both addictions and choices, lets not pretend that obesity is somehow holier than emphysema range resources. Plethora of studies that link it to so many debilitating diseases care where shareholders trump patients is obscene states! Is cost for smoking, reducing smoking may not save society health care where shareholders trump patients is.. You for not following the medical instructions.So, I guess yes it should habits can... And it 's only getting worse smokers to quit a physician and scientist. More prone to colds than older folks ask abt fat people and smokers definetly should pay more on. Described 50 % of America!!!!!!!!!!!!!. For healthcare period systematic review of the evidence for different care options the Wall Street Journal greed and.. Folks as well I think popular Cable News Personalities should pay more in excise than! And local laws to be an excellent target to help employers manage costs to hold financially...

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