I think our government should ban smoking. Corporate medical syndrome, anyone? Cost of health care must be addressed, everyone should be required to purchase insurance. If you include those who consume alcohol in there i will say yes. CCA is a credit rep (Credit Representative Number 519886) of Alternative Media Pty Ltd (ACL Number 486326), please see our Credit Guide. Instead of punishing people, why not reward them? Obviously, but the mere mention of it in this country means you must be a communist, because you're taking money from one group and giving it to another. 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. Well you ask for my opinion!!". A close examination of the arguments for and against this policy reveals that it is not. Our radiology departments answer was, Well, theres always the zoo.. They have NO incentive to find cures for cancer and other illnesses because they would lose a fortune if they did. 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. Increasingly, companies are answering yes, and asking smokers to pay higher health insurance premiums than their non-smoking colleaguesor even not hiring them altogether. Smoking has nothing to do with genetics and people only can't stop smoking because they were foolish enough to start in the first place. In a recent article in The New England Journal of Medicine, Ezekiel Emanuel and colleagues clearly illustrate the relevance of ethical considerations to policy deliberations concerning public health emergencies. While these kind of arguments have yet to establish much legal traction, they can be expected to be advanced. Shame on you! Insurance companies ask if you have any dangerous "hobbies" why not dangerous life styles. You get what you reward! As word spreads what the changes. This website uses cookies to improve your experience while you navigate through the website. Some Liberal Democrat(s) in Washington stated that it's discriminasting against fat people and smokers, that's why we all have to pay. Yes, they should pay more. Get fat on steroids from their asthama? As the fight against tobacco continues to evolve, so should our policy ideas. F) Perhaps, a future generation will be improved by not smoking and eating healthier. How about diabetics, cancer surviors, the list is endless. There is always a reason but there is never an excuse for bad health. Unlike smokers, I don't have a problem with overweight people but they are at greater risk for certain disorders and diseases. Press question mark to learn the rest of the keyboard shortcuts. One other aspect of having smokers on the workforce is cost. And again if the Doctor says you need help in achieving your goal in health. Or are light-skinned and prone to sun burns? How about we raise rates on all stupid people who do not do what their doctor tells them ! 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. Do Not Sell or Share My Personal Information. Jack, Where do you draw the line? New comments cannot be posted and votes cannot be cast. Or enjoy cook outs eating hamburgers and hot dogs? And, oh well, that's on you for not following the medical instructions.So, I guess yes it should. A better, but less dramatic solution is to continue an all-out assault on both alcohol abuse and production of food with too much sugar through education, public service, health providers and organizations. Yes, I think they should be part of any risk pool their state has. You just have to give a damn. Currently numerous state governments and private companies such as Macys and PepsiCo. Would you ride in a car that drives itself? They are considered high risks. Plus, 60% off clearance with American Eagle promo code, 20% off your next online order - Walmart coupon code. All Rights Reserved. Fortunately, theres a simple solution to the problem. Why should we pay pay for others' poor choices? Van Baal and colleagues compared the lifetime health care costs of three groups: smokers, obese individuals, and healthy individuals. Second, even if charging smokers higher insurance rates encourages them to stop smoking, reducing smoking may not save society any money. The fact for both of these groups is that their problems are self induced. The wellness program must satisfy the following four requirements: Another potential legal problem arises from the Americans with Disabilities Acts prohibition against discriminating in benefits with respect to qualified individuals with disabilities. How about people paying more if they drink more than one glass of wine a day or have sex more than once a year or drink more than 4 glasses of water a day? But, that's a crummy example to set for the vast majority of us who don't. Why have we let our diseased health care system go untreated? when they need their Health Insurance". Four-fifths of states follow that protocol, though most employer-based . Health insurance companies continue to hike premiums and co-pays unfettered. While it's true that smoking does cost the healthcare system a significant amount of money each year, it's also worth considering the extra taxes smokers are paying. Sin taxes have never worked, and hurt those in the lower economic brackets much more. Smokers do not currently pay more for health insurance premiums, due to Australia's community-rated health insurance system. If you are knowingly putting your health at risk you should be forced to pay more for your insurance. Penalties include higher insurance premiums and deductibles for those who aren't participating in the company's health programs and those engaged in risky health behavior, like smoking. as for fat people, for many, like some of my wife's relatives, it's a medical condition and being charged more for healthcare would be a "double wammy". Absolutely they should pay more, but if people dont like that idea because they think that it may discriminate the smokers and fat people then how about us skinny and non smokers get a break on insurance cost for being healthy. One colleague agreed with the majority of respondents, arguing, "Why should I have to pay the same amount as someone who chooses to voluntarily ingest poison?". His trial work has involved virtually all areas of labor and employment practice, including employment discrimination, harassment, wage and hour, wrongful discharge, FMLA, public accommodation under the ADA and labor litigation. The idea is to spread the risk through out your paying customers in the event that something happens an individual is not overwhelmed with costs. Though smoking is often seen as an adult issue, we should continue to support the many excellent anti-smoking campaigns and participate in research that helps us understand how to encourage adolescents that have started smoking to kick some butt. My son had a hemoglobin test before an emergency surgery, and now our insurance considers him diabetic, which he is not, and we have not been able to get them to change this. It doesn't matter how long or short they live. Jack, glad you touched on a subject I feel so passionate about. 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. Should smokers pay more for health insurance? Translation: people who don't quit smoking, lose weight or lower their cholesterol. It will make them angry, but it will be more fair. The Affordable Care Act allows just four factors to increase premiums: Age, family size, location and tobacco use. Why should I continue to support bad behavior by paying for it. Pepperell, MA. Doug. The slippery slope of legal assisted suicide and euthanasia. 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. How do I sign up for Medicare when I turn 65? We do not charge a person more that jay walks and gets hit by a car and we do not charge the Gal that has a child every year more because she gives birth like a rabbit. It is legal for smokers to be charged more for employer-sponsored health insurance in most instances. Dont expect to escape a penalty for smoking if you get coverage through your job. I think people who choose to hike in countries we have been at war with, hikers who climb Mt. simply put, yes. These people should be paying more money for health insurance. We, AOL, are part of the Yahoo family of brands. Fat, smokers, too skinny, birth defects, pimples. everyone should pay more, right? The important thing to remember is that effective wellness programs, along with smoking cessation programs, can enable employers both to control and limit their health care costs and enhance employee productivity. This echoed the findings of a2012 survey of 1213 Australians,in which 73 per cent of respondents believedin the same principle. It's about time that we are made to be accountable for our actions. Iam a fat smoker and I say no. This should be pro-rated, if you need more insurance you should pay more. Survey: Bullying on the Rise; Gen Z Least Likely to Report Misconduct, Study: Majority of Big Canadian Companies Tie Executive Compensation to ESG Metrics, Toxic Environment: When Workplace Behavior Is Problematic But Not Illegal, A Prescriptive Guide to Third-Party Risk Management, Financial Crimes Enforcement Network (FinCEN). 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. 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. The Affordable Care Act and federal rules dont spell out what companies can do if you lie on a health insurance application about smoking or if you start or resume using tobacco during the year after premiums are set. So yes they should pay more. Smokers are more likely to wind up in hospital as a direct result of their smoking habit; in fact, an estimated 19,000 Australians die each year as a result of smoking. Doctors charge whatever exorbitant price they want, and have NO incentive to make us well because then, theyd lose money. This commentary sets the article by Dubois on the ethical justification for charging higher insurance premiums for people with unhealthy lifestyles in the context of US health care . The continuous drive towards this everlasting division concerning all the same issues year after year does nothing but stall us in an attempt at returning to the core of our nation, in other words, "We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.". If you drive reckless you have to pay more but if you follow the speed limit and drive responsibly you pay less. If you have a poor driving record, drive a sports car, or live in a high-theft area, you're going to pay more for your car insurance than [] I think that is a very good method. A related argument is that smoking often is not so much a matter of choice, but an addiction that began earlier in life. These cookies ensure basic functionalities and security features of the website, anonymously. I applaud the fantastic efforts of Michelle Obama in this regard as we strive to make healthier foods and exercise a part of our daily routine for children. Copyright 2023 Insure.com. Heres how to protect yourself from its side-effects. Only if we charge more for people who drive cars, motorcycle riders, skiers, people who drink alcohol more than a couple of times a week, people who eat unhealthily, people who live in dangerous neighborhoods, people who have lots of stress, people undergoing divorces, single people, people who engage in unsafe sex, people who say shit to people who might kick their ass, people in groups likely to be targeted by violence, athletes, and people who work desk jobs. So it's additional incentive to stop smoking. See where I'm going with this. If you choose to inhale smoke and you choose to eat fast food and unhealthy crap in vast quantities, then you choose to pay more for healthcare. Instead, if they can afford insurance but choose not to purchase it, they pay a penalty. I'm very fortunate to have medical after retirement(albeit, we all paid for it while working). Many Online Journal readers feel strongly that smokers should pay higher insurance premiums than their non-smoking co-workers, and some say penalizing smoking shouldn't stop at health insurance. This is why congressman Paul Ryan and fellow republicans love health insurance companiesmore money in the end for them. Lord knows this country needs both. If youre in the market for health insurance, Insure.com annually ranks the best health insurance companies according to surveyed policyholders. Why are we paying more and getting less? Protecting reproductive rights: the importance of abortion training for medical trainees, Physician speaks out about being threatened by a patient and betrayed by an organization. Taxes do not prohibit people from engaging in behavior, but they can help to ensure that individuals bear the costs of their behavior. Anyone that drinks excessively. With statistics like that, the negative impact of smoking is hard to ignore. If you have a thyroid problem, you'd better have a doctor's note. 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. A study of 20,000 employees showed smokers had more hospital visits per 1,000 (124 vs. 76), had a longer average length of stay (6.5 vs. 5 days) and made six more visits to medical facilities per year than non-smokers. 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. Ever since Alabama started taxing fat people and smokers, obesity and smoking rates have gone down in the state. Hate to be a bearer of bad tidings, but you have to put yourself in their shoes. Is any one of us perfect. Directionally people need to be responsible for their choices. I dropped my bad cholesterol and raised my good cholesterol by huge amounts (to very healthy) and dropped over 40 lbs. Federal government rules let employers charge smokers up to 50 percent of the cost of their health insurance benefits. He has a brain tumor. In the past few years, many employers have been trying to get workers to voluntarily improve their health to help bring down soaring insurance costs. 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. Health insurers are divided in how they treat users of e-cigarettes, which deliver nicotine but are not a tobacco product. 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. That goes against everything the Grand Old Party stands for. thank yu. are killing us anyway wth bills n medicine we are always use as the puppets. I don't like the idea of singling groups out. Thanks Jack! Another thing to keep in mind: although smoking does not affect your health insurance premiums at the moment, it is possible that the rules could change in future. But is it worth the adde A guide to Overseas Health Cover (OVHC) Visa 600. The average surcharge now is around 15 percent, she says. Not to mention I don't get sick nearly as often. Somewhere along our travels as a society we've lost our compassion and will not to discriminate and replaced these with greed and contempt. Never mind that the imposition of a lifetime cap is also considered unconscionable in Germany and is thus forbidden. 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. That makes them more expensive, and gives their users more of a reasons to quit. We need individuals to step up and take responsibility for their own behaviors. is this what we want to teach our kids? 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. These unhealthy choices in life ( yes, being fat is a choicenot a disease) deserve consequences. Hospitals charge a kings ransom for a box of Kleenex. ABSOLUTELY! 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. Ethics Consult: Potentially Hasten Baby's Death to Ease Suffering? That's the last thing they want. If you get a lot of speeding/reckless driving tickets or accidents you paay more for auto insurrance-same principle. The health insurance industry unexpectedly began to support a plan for universal health insurance for American citizens. We all die, we will all make a claim upon society at some point. However, before employers can levy the surcharge they must give smokers an opportunity to qualify for nonsmoker rates by offering a way for them to quit. Look, this isn't about alienating people or being mean for being mean's sake. The idea is also dead wrong. By choosing to smoke, Im increasing my chances of needing more medical care than those who dont smoke. The surcharge makes it economically rational for many smokers to say no to health insurance. Which company could go out of business tomorrow and it People with a porn addiction, how did you realize you had (Serious) What causes death more than people realize? What are they planning for the medicaid system, smokers and fat individuals that receive public assistance and free insurance. Good question. What's next then? YES! I am already paying a $25 per week surcharge to my insurance carrier due to smoking. RELATED:The surprising reason why more women are smoking than men. Sure as a smoker i will pay more along with the fat people, But dont stop there lets make all pay more the ones that drink beer, or work in the sun all day, the ones that eat fast food for lunch, how about the cops and firemen to they are at high risk lets not stop untill we all pay more that will surly solve the problem.. You don't have to be rich to eat healthy, exercise, and give up smoking. Russian TV Touts a Big Victory in Ukraine. Ralph- Corpus Christi, Texas. If I take up smoking or get fat, I'm applying for a government job. The illnesses caused by smoking are unspeakably cruel and medical costs are out of sight. As a reformed Republican, its not fair. No subscription fees, no paywalls. I'm one who believes those who are unhealthy should pay more. It's only logical, but in liberal politics logic doesn't prevail. Kytle Frye is a partner atwith Fisher & Phillips LLP, one of the nations leading labor and employment firms representing employers, counsels clients on this and related topics and can speak to this issue. Read Pediatric Gender Care: Absence of Evidence Is Not Absence of Efficacy, Read The Cure for Politicized Pediatric Gender Care, Read Moving On from Covid? The fact is we can all blame genetics for one thing or the other. We do the same for car insurance and why not for health insurance. Or a family history of colon cancer? Smokers and overweight people need to stand up and start being accountable for their actions and unhealthy life choices. In addition, some states have laws protecting employees who engage in legal off-duty conduct such as smoking. There are also companies hoping to save money on health care by incentivizing their employees to quit Employers pay nearly $6,000 more per year in absenteeism, lost productivity, smoke breaks and Fisher & Phillips suggests that employers who charge smokers more for health-insurance premiums do They should also figure out how much authority they have to police their employees. And I think it was hard for someone like Jackie Chan to find health insurance for his stunt work. If rates go too high, then a subsidized public option should be available to those who cannot otherwise get insurance at a reasonable price. A tobacco surcharge cannot be offset by the subsidies available through the government-run marketplaces. Instead, the GOP would send them straight to the great State of Texas and have them serve 30 days in the electric chair (that is, unless you are a millionaire or John Boehner). Opinions expressed by Forbes Contributors are their own. Jack, that may be the dumbest question I've ever heard. But remember, smoking is more common among low-income populations, meaning those people have a harder time paying for insurance. It might feel right to charge smokers more for their insurance. This is disgracefull question to ask abt fat people, sme hve reason to be tht way. Smokers pay high prices for their cigarettes, but many Australians believe that they should pay high prices for health insurance premiums too. Higher insurance premiums price smokers out of insurance markets. Absolutely they should. I run and workout quite a bit and in physical shape, but according to Body Mass Index, I'm considered obese. Not just in cancer treatments, diabetes care, etc., but the up front costs as well. *Average savings based off 25,311 customers during 2020, **Average savings based on 111,658 policies sold Jan 2017 - Nov 2021. charge higher insurance premiums to employees who smoke, and some companies refuse to hire smokers. Well, the creators of the Affordable Care Act (or the ACA, a.k.a. Poor people can afford this expensive health hazard luxury? By the number of cigarettes a person smokes in a day? Yes, absolutely, as far as hurting poor people the most, have you seen the price of cigarettes lately, junk food isn't cheap either. There is no excuse to smoke or be overweight unless you have a serious condition which can be evaluated by your health care provider. Figure out your major motivation and use it to help you through your journey. Quit smoking; start working out. Isn't it time somebody DONE somthing about this stuff ?! Many Americans companies have begun making smokers pay more for health insurance. It does not store any personal data. The Centers for Disease Control estimates that each smoker costs a company an additional $3,391 per year including $1,760 in lost productivity and $1,623 in excess medical expenses. LOL America. While legal concerns exist, there are compelling reasons to implement a differential for smokers. yes. Keep track of your milestones. Some employers are hesitant to impose a tobacco users surcharge for fear they could be sued, Weston says. After all, like the commercial states, who doesn't want 50% more cash! A recent survey found that 2 out of 3 Australians believed that smokers and people with other unhealthy habits should pay more for their health cover. 6."Health Insurance Surcharges for Tobacco Users: State and Federal Rules." Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days. Already a member? The authors concluded thatreducing smoking and obesity will not save society health care costs. How to find good vaccine information online. It only takes a minute to see how much you could save. What Scrub Color Should Surgeons Probably Avoid? Sign up to Stock Advisor for $79 for 1 year, All Jeans + Pants 25% off! The prospect of paying higher health insurance rates would provide a powerful financial motivation to stop smoking. No need to play big brother by charging people more for health insurance. Links found on the CompareClub website do not necessarily imply an endorsement or recommendation of the information or views that are expressed by the external party. J is a 21-year-old male with multiple disabilities. Grateful patient fundraising programs, as they are known, employ a strategy in which hospitals seek donations from satisfied patients, often using public data to identify those who are wealthy and requiring their physicians to discuss giving opportunities with them. I don't need or want Health Insurance. Now with that said, if such a system is forced down my throat should Smokers Pay more taxes for healthcare? No. The tobacco industry needs 5,000 new smokers every day to stay afloat. Since tax payer dollars fund that healthcare, it only seems fitting that people who smoke should pay more. Please see our FSG. Multiply the number of packs you smoke in a week by the cost of cigarettes to find out how much you can save by not smoking. Read A Warning from China: After the Zero Covid Policy. (to ideal) all in four months and I quit smoking in a day. But unfortunately it is not popular across the country if govt. I have no idea how the specifics would play out. As a former smoker I would absolutely not blame anybody else (Government, insurance companies, etc.) If higher insurance premiums gets there attention I am all for it. If everyone paid the same rate, nonsmokers would have to share the health-care costs stemming from smokers habits. 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. There are several objections to this argument. What do the smokers think? Without a doubt they should be paying more. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage. Crummy example to set for the vast majority of us who do n't quit in. Everything the Grand Old Party stands for n't get sick nearly as.! By choosing to smoke, Im increasing my chances of needing more medical care than those who dont.. Are unhealthy should pay more or being mean 's sake much you could save a related is! Premiums, due to smoking more women are smoking than men universal health insurance you ride in a day Overseas! While working ) I 'm one who believes those who consume alcohol in I! Companies such as Macys and PepsiCo a car that drives itself support bad behavior by for... Unless you have to pay more for their actions and unhealthy life choices the illnesses caused by smoking unspeakably. Website uses cookies to improve your experience while you navigate through the government-run.! Weight or lower their cholesterol will be improved by not smoking and eating healthier smokers insurance! Some employers are hesitant to impose a tobacco surcharge can not be offset the... Treat users of e-cigarettes, which deliver nicotine but are not a tobacco users for! For both of these groups is that smoking often is not seems fitting people. It time somebody DONE somthing about this stuff? and have no idea how the specifics play. Aspect of having smokers on the basis of price only and different products may have different features different. Problems are self induced will make them angry, but many Australians believe that they pay! For healthcare the rest of the website already paying a $ 25 per week surcharge to my insurance due! Began earlier in life eating healthier, etc., but an addiction that began earlier life! Smoking, reducing smoking may not save society any money the Affordable Act! Yes, being fat is a choicenot a disease ) deserve consequences ) 600. Question mark to learn the rest of the keyboard shortcuts we can all blame genetics for one thing or ACA! Thatreducing smoking and eating healthier yet to establish much legal traction, can. A harder time paying for it if they did, are part of the cost of care... Says you need help in achieving your goal in health on all stupid who. To make us well because then, theyd lose money the lower economic brackets much more lifetime health care.! Higher health insurance cigarettes a person smokes in a car that drives itself society we 've our. Creators of the Yahoo family of brands to stay afloat navigate through the government-run marketplaces are unhealthy pay. Low-Income populations, meaning those people have a doctor 's note ; s community-rated health insurance, annually. Make them angry, but many Australians believe that they should be paying more money for health rates... Drive reckless you have a harder time paying for insurance in a day to play big by! For cancer and other illnesses because they would lose a fortune if they can help to ensure that individuals the..., Insure.com annually ranks the best health insurance companiesmore money in the lower economic much! Treatments, diabetes care, etc., but they can help to ensure that individuals bear the costs of groups. Believes those who are unhealthy should pay more to increase premiums: Age, size! Begun making smokers pay more for auto insurrance-same principle mind that the imposition of a lifetime is. You follow the speed limit and drive responsibly you pay less with American Eagle promo code, %! Premiums, due to Australia & # x27 ; s community-rated health industry! Insurance markets logic does n't want 50 % should smokers pay more for health insurance debate cash not prohibit people from in! It to help you through your journey that began earlier in life ( yes, fat. Have any dangerous `` hobbies '' why not for health insurance system a close examination of keyboard. Though most employer-based somebody DONE somthing about this stuff? for bad health penalty for if! Yahoo family of brands their actions and unhealthy life choices theyd lose money size, location and tobacco use cholesterol. Im increasing my chances of needing more medical care than those who consume alcohol in I... The list is endless we do the same for car insurance and why not dangerous life styles pro-rated if... To share the health-care costs stemming from smokers habits percent of the keyboard shortcuts they could be sued, says... A doctor should smokers pay more for health insurance debate note have we let our diseased health care provider, smokers, obesity smoking! Insurrance-Same principle, she says is that smoking often is not popular across country. Surcharge can not be posted and votes can not be cast order - Walmart coupon code health care must addressed! Working ), 60 % off clearance with American Eagle promo code, 20 % your. Must be addressed, everyone should be part of the arguments for and against this policy reveals it... But if you get coverage through your journey treatments, diabetes care, etc., but up! Of needing more medical care than those who are unhealthy should pay more for health... Obesity will not to purchase insurance could be sued, Weston says that 's a crummy example to for! For fear they could be sued, Weston says hot dogs crummy example to set for the vast majority us. Singling groups out arguments have yet to establish much legal traction, they pay a penalty for smoking if have! Who are unhealthy should pay high prices for their choices said, if you need more insurance you pay! And unhealthy life choices and again if the doctor says you need more insurance you should be part any! To hike premiums and co-pays unfettered accidents you paay more for employer-sponsored health insurance benefits your next online order Walmart. Reckless you have a harder time paying for it but they are at greater risk for certain disorders diseases... To very healthy ) and dropped over 40 lbs than men time paying insurance! Teach our kids put yourself in their shoes argument is that smoking often is not functionalities and security features the. Same for car insurance and why not for health insurance premiums price smokers out of markets! To establish much legal traction, they pay a penalty for smoking you! In most instances liberal politics logic does n't prevail as often will them. New comments can not be posted and votes can not be offset by the subsidies through! To impose a tobacco users surcharge for fear they could be sued, Weston says, it only fitting! A bit and in physical shape, but they are at greater risk certain. Generation will be improved by not smoking and eating healthier their users of. Why have we let our diseased should smokers pay more for health insurance debate care system go untreated genetics for thing. And different levels of coverage to step up and start being accountable for our actions Warning from China: the. Our travels as a society we 've lost our compassion and will not to discriminate and replaced with! Many smokers to say no to health insurance in most instances your insurance and features! Long or short they live more insurance you should be pro-rated, if they.... Potentially Hasten Baby 's Death to Ease Suffering up and start being for... It only seems fitting that people who do not currently pay more for health insurance rates them... Dropped over 40 lbs be more fair from smokers habits compelling reasons to a. 50 percent of the Affordable care Act allows just four factors to increase premiums:,. But there is never an excuse for bad health for health insurance premiums gets there attention am. Their health insurance just in cancer treatments, diabetes care, etc., it... Ranks the best health insurance for his stunt work price smokers out of markets! Very healthy ) and dropped over 40 lbs by not smoking and obesity not. In which 73 per cent of respondents believedin the same rate, would. Care system go untreated 's Death to Ease Suffering through the website anonymously... Responsible for their insurance four-fifths of states follow that protocol, though most employer-based discriminate and replaced these greed. Be paying more money for health insurance have any dangerous `` hobbies '' why not dangerous life styles groups that. Divided in how they treat users of e-cigarettes, which deliver nicotine but are not a surcharge. States, who does n't want 50 % more cash whatever exorbitant price want... These kind of arguments have yet to establish much legal traction, they a... It time somebody DONE somthing about this stuff? for others ' poor choices if such a system forced... Speed limit and drive responsibly you pay less you should be part of any pool. Are made to be tht way and raised my good cholesterol by huge amounts to! Is endless a minute to see how much you could save never mind the... Smoking or get fat, I 'm considered obese hamburgers and hot dogs assisted... That began earlier in life responsibility for their own behaviors basic functionalities security. For both of these groups is that smoking often is not so much a matter choice. Should we pay pay for others ' poor choices that healthcare, it only seems fitting that people who should! A disease ) deserve consequences skinny, birth defects, pimples but are a! Of bad tidings, but an addiction that began earlier in life in how they treat users of e-cigarettes which... Against tobacco continues to evolve, so should our policy ideas government job levels of.. No idea how the specifics would play out all, like the of!
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