But is this plan moral? Jack: Discrimination is against the law. Lets just stop this nonsense and enact a law that insurers, mortgage companies and oil companies can garnish our wages. Just take it and cut to the chase. I have high blood pressure, high cholesterol and I could stand to lose a few pounds. These effects arent limited to the person sucking on the cigarette, either exposure to second hand smokeis also problematic. So yes they should pay more. If they can afford to buy more food and/or boxes of cigarettes then they can afford more money for healthcare. Healing hearts: the power of authentic connection in medicine [PODCAST], How to recognize and stop gaslighting in your relationships, Saying goodbye: the tragic impact of COVID-19 on families, A couples journey with a rare neurodegenerative disorder, The importance of a clear contract with your defense counsel in medical malpractice cases, Finding purpose: How physicians can craft meaningful careers in medicine [PODCAST]. The key difference between life insurance for smokers and non-smokers is the likelihood of being accepted and the cost. Nobody gets out of here alive We should ALL pay LESS for healthcare period. Lastly I don't want to hear about poor people being harmed by this. Sure, many would prefer to have juice and bottled water insetad of soda, organic fruits & vegetables instead of cookies and chips, and gym memberships instead of sitting behind a TV or video game console but many just cannot afford it. These folks made the decision to smoke, so they should pay more. Everyone keeps complaining about the health care, but don't take efforts to eat correctly and they know they should! Instead, if they can afford insurance but choose not to purchase it, they pay a penalty. Ethics Consult: Potentially Hasten Baby's Death to Ease Suffering? 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?". Most Americans believe smokers and obese people should pay more for health insurance, but they have mixed views on how to help the millions without any health insurance, according. If I chose to remain fat by following an unhealthy lifestyle then I should pay the cost for the consequences. Life insurance rates for smokers versus non-smokers. Lower the rates on those that live heathier lifestyles and leave me the heck alone. If we start down this road than the next thing it would be, anyone with a history of cancer or any other known health problems in their genetic background, would have their Health Care canceled or would have to pay some ridiculous price. That's their problem! These people should absolutely pay more for their healthcare. Not surprisingly, implementing a differential does involve some risk. Do Not Sell or Share My Personal Information. Press question mark to learn the rest of the keyboard shortcuts. Smokers and overweight people need to stand up and start being accountable for their actions and unhealthy life choices. Translation: people who don't quit smoking, lose weight or lower their cholesterol. Smokers should be allowed to make lifestyle choices free from coercion from employers, insurers, or the government. Once you start separating the herd you'll need to take out sky divers, surfers, race car drivers, anorexics, clumsy people, etc., etc., etc. Never mind that the imposition of a lifetime cap is also considered unconscionable in Germany and is thus forbidden. Ms Ley also dismissed claims obese people and smokers could pay more for their private health insurance, but defended the government's right to ask "tough questions" about it given the private health insurance rebate cost it over $6 billion a year. In the case of weight gain I'm not so sure that can all be attributed to bad behavior. 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. Fat people and smokers should pay more absolutly. Advise upper management of the potential pitfalls, as well as the benefits of adopting differentials, including the costs of a wellness program. Of course they should pay more. It will make them angry, but it will be more fair. Yes, Jack, I think the insurance for smokers should be more expensive. absolutely- I am tired of having to give up my seat on the bus to someone who is grossly overweight- you choose to eat fast food I have no problem with that= just don't expect me to cover your heath care costs -when I watch my weight, go to the gym and watch my diet all in the attempt to remain healthy.-and to keep health care costs under control. But I don't think that's where the tax is going. Of course they should pay more. 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. Which Studies Will be Practice Changing in Metastatic Breast Cancer? Poor people can afford this expensive health hazard luxury? Create an account to follow your favorite communities and start taking part in conversations. The illnesses caused by smoking are unspeakably cruel and medical costs are out of sight. 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. 88% of smokers began smoking before age 18. Whats a company secret you can share now that you dont What quietly went away without anyone noticing? The Commonwealth Fund expects more states will customize their approach to tobacco rating as more evidence about the impact of tobacco surcharges emerges. So smokers seem to be an excellent target to help employers manage costs. The risk is based on numerous factors such as, lifestyle and genetics. Yes, shame on us for enjoying our lives. In addition, some states have laws protecting employees who engage in legal off-duty conduct such as smoking. I think popular Cable News Personalities should pay more for Health Care. The same with booze, and other things that costs the country money to fix. People in the lowest class, who cant afford to make health changes or simply don't have time to work out because they have to provide for the family, are essentially being punished for not having the "spare time". So lets use the corporations who stretch across the states to implement this and maybe we can finally get our overweight problem under control. Smokers should pay for their own health costs. Smoking tobacco increases your risk of heart disease, lung disease, and other health problems. 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.. Fat, smokers, too skinny, birth defects, pimples. everyone should pay more, right? Smokers, yes. This is called tough love; the firms are offering free services to help them improve their lifestyles. The same policy should apply to people who drink excessively, use illicit drugs and knowingly choose to engage in activities that are high risk to life and limb. I find it amusing that Walmart is going to raise health care costs for its smoking employees. Absolutely! Are we going to ask them to shell out for my extra expenses? Since tax payer dollars fund that healthcare, it only seems fitting that people who smoke should pay more. Are you quitting for your health? Iam a fat smoker and I say no. Rich Barlow. California, Massachusetts, New Jersey, New York, Rhode Island and Vermont prohibit tobacco rating for policies purchased throughout the individual market. "My answer is no they should not pay more, they already pay far more than there share of the tax if they smoke, now if they are overly-fat then it is different as they eat through greed and nothing more. The cookies is used to store the user consent for the cookies in the category "Necessary". Do we want someone not going to the doctor for fear of their rates going up? CCA is a credit rep (Credit Representative Number 519886) of Alternative Media Pty Ltd (ACL Number 486326), please see our Credit Guide. When surcharges are steep, lots of smokers forgo insurance, despite receiving subsidies and/or facing tax penalties. Besides, if you make obese people a political issue you will lose at the ballot box because most of are obese. Should auto insurance favor safe drivers with discounts? For your family? If I'm 10 pounds over weight and smoke one cigarette per week, will I have to pay as much as a person who is 100 pounds over weight and smokes two packs per day? That's how many Online Journal readers responded to last week's Fiscally Fit column, which looked at the growing number of firms that are using health-insurance surcharges and other financial penalties to push employees to adopt healthier lifestyles. Live a healthy lifestyle and you won't have to pay more. Thus, in the name of anti-discrimination (tobacco lobby) and ensuring access for the poor (the anti-cancer groups). As a fat person who hasn't lost a pound since August 5th, there's more to it. One recent survey shows the use of penalties is expected to climb next year to include almost 40% of large and medium-sized companies. As word spreads what the changes. Since we are now talking about doing that, it is only a matter of time before that happens. If they reinstated it and jacked the rates for unhealthy people it might do a world of good all around. Thoughts? By the number of cigarettes a person smokes in a day? Why stop at smokers and the obese. The more people need it, the more it goes up. FTC Plan to Ban Noncompete Clauses Shifts Companies Focus, Greta Thunberg Detained by Police in Germany During Mine Protest, Bonds Over Stocks: The New 60-40 Portfolio, Deal Slump Dents Profits at Goldman Sachs, Morgan Stanley, Rebellion Against Higher Prices Helps Slow Inflation, Opinion: The Hard Reality of a Debt-Ceiling Showdown, Opinion: Ph.D. Students of the World, Unite, Opinion: Wisconsin Bids for a Flat Income Tax, Opinion: How the Gas Stove in Your Kitchen Became a Symbol of Freedom. There should also be discounts for people who live an active life style, and take care of themselves in comparison to their age group! F) Perhaps, a future generation will be improved by not smoking and eating healthier. Because the ACA offers such generous coverage for smoking cessation aids, those charged with its implementation should take extra care to encourage smokers to participate in exchanges and to access the clinical services they need to quit smoking. Pomona CA, That is disgrace full answer to ask abt fat people, wht happen to people feeling. Should health care be a private enterprise? Now with that said, if such a system is forced down my throat should Smokers Pay more taxes for healthcare? As for being overweight, it doesn't cost anything to walk either in the mornings or evenings, and staying away from the dingdongs and cheezypoofs might help as well. This objection is not very persuasive, however, because financial penalties do not significantly limit personal freedom. As a person who is living large, I can tell you that I don't have high blood pressure, I don't have diabetes, my knees and back are fine. Instead, outlaw tobacco and educate everyone on better diets. As a smoker you could face paying up to $500 a month for the company health plan. Compare Club makes it simple to choose a better energy plan. If smokers opt out of health insurance this could have a detrimental impact on their access to health care and negatively impact their health and well-being. This is provocatively simplistic, betrays the lack of decency befouling this country, and represents why government can't leave corporations to run health care. I realize this is a difficult area to try to control as some activites are based on genetic predisposition, etc. And again if the Doctor says you need help in achieving your goal in health. Of course anyone that eats fast food, or any fried or unhealthy food would need to pay more. Most insurance plans cover smoking-cessation programs. No because they aren't going to lower the rates for those that aren't overweight and don't smoke..The rates are created for all by taking into consideration the overweight and the smokers..just like they take into consideration the chance of developing cancer.I grew up about the time a cure for polio was discoveredI don't remember the big refund check from the insurance companies when that threat was eliminated.Insurance companies are just looking to take in more bucks but those that aren't a problem will still pay the same high rates. This practice may lead many people to forego health insurance even though they may have to pay a fine under the ACA. Establishing a compliant wellness program with a smoking cessation program and alternative mechanisms for some smokers, are key components of any decision to impose a differential. Yes, Jack. prehaps they will be more motivated to change their behavior and adopt more healthy habits. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. It says smokers consume about 25% more health care services than nonsmokers. 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. Sign upfor free. Genetic factors can also increase health risks, but genetic discrimination in employment and insurance is illegal in the U.S. and many countries. Tune in to "The Situation Room" at 4 p.m. How does primary and secondary insurance work? The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". (if applicable) for The Wall Street Journal. How much do you think a video cassette player would sell for these days? The surcharge makes it economically rational for many smokers to say no to health insurance. This is a stupid idea. Health insurance companies are beginning to act more and more like banks. It is an interesting thought about how that would implicate unhealthy people. It has had significant effects on obesity throughj dirt control in schools, Tougher laws on DWI are certainly needed, too. They already spend more money, on cigs and food, than I do. Action that smokers and fat people take is costing Health Care. Although studies have shown that monetary incentives can influence smoking cessation, these studies have involved giving smokers monetary rewards to stop smoking and have not examined the effects of charging smokers health insurance rates. The national average premium paid by a smoker in our survey was $213 per month. Every month, you calculate what you might have spent on health insurance had the individual been a smoker or obese and give them half. They are using 25% more insurance, they should be paying 25% more! That goes against everything the Grand Old Party stands for. Yes, and those with alcohol related diseases. Sadly, yes ! Sometimes you need a kick in the pants to get going. The Insurance company shouldn't give you a hard time in achieving that goal either. And the fat cat CEO's should go on a compensation diet so that more of the money they collect in premiums goes to heath care. Public Health & Policy. The Affordable Care Act allows insurance companies to charge smokers up to 50% more for premiums. Dave from NH. The same goes for obesity. Posted by Susan Gilbert at 09/19/2013 02:47:13 PM|. The fact for both of these groups is that their problems are self induced. 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. It seems to me that people would respond better to a program that rewards them as opposed to one that punishes them. If your home is large, on a beach, in an earthquake or hurricane zone you pay more. I Jack gain weight if I try to live on 500, 1000, or even 1500 calories a day. What are they planning for the medicaid system, smokers and fat individuals that receive public assistance and free insurance. So it's additional incentive to stop smoking. Charging smokers higher health insurance premiums is no more objectionable than imposing taxes on tobacco products, alcohol, guns, or gasoline. This is why we need the health care reform good or bad is better than none. What do the smokers think? "These things in no way compare to the unnecessarily harmful effects of smoking on both the people smoking and the people around them who are also forced to suck up their toxic fumes," colleague #1 responds. While the intent behind his call is well-intended, it is based on a flawed premise. P.S:- I am not a somker or fat(atleast for now) so no bias aganist smokers. The reason? Health care costs of smoking are expensive and smoking is reduced more to motivational determinants than to biological factors; the essay, therefore, recommends that smokers pay for their own health costs. And, oh well, that's on you for not following the medical instructions.So, I guess yes it should. However, quitting smoking can help reverse the negative health effects of tobacco, giving you a better chance at a longer, healthier life -- not to mention the money you'll save on cigarettes and healthcare! First. The odds. When insurance companies price smokers out of their products, we all pay. It is all propaganda, Jack. How Long Should Myeloma Patients Continue Lenalidomide After AutoSCT. All Rights Reserved. Heres how to protect yourself from its side-effects. However, lying is fraud, and you can be denied coverage if you misrepresent yourself. The ABS found that smoking causes 80% of lung cancer deaths and 20% of overall cancer deaths. Yes Jack, this is what we need. But no, I don't think so, because lower socio-economic classes have a higher burden of smokers and can't afford to pay more. No. However, if rates are too low they may not provide a sufficient financial incentive to stop smoking. Yes. The debate continues, because ultimately smoking is a voluntary act that undoubtedly affects individual health and, in turn, the public and private healthcare system. Click Manage settings for more information and to manage your choices. Cigarettes, co-pays and junk food add up, and all these savings could give them (Smokers and Fat People) "healthier food" or that gym membership they want so bad. Shame on you Jack, shame on you ! A tobacco surcharge cannot be offset by the subsidies available through the government-run marketplaces. While legal concerns exist, there are compelling reasons to implement a differential for smokers. How about stupid people, they are always doing dumb things to get themselves hurt. *Average savings based off 25,311 customers during 2020, **Average savings based on 111,658 policies sold Jan 2017 - Nov 2021. We need individuals to step up and take responsibility for their own behaviors. MD/JD Weighs In, Using Recalled Devices to Approve New Ones; Inpatient Safety. The price of life insurance is based to an extent on the health of the insured. The idea is also dead wrong. Got a news tip? This cookie is set by GDPR Cookie Consent plugin. why are "the poor" smoking anyway? we should just make them pay more for their HEALTH care if they end up fat or smoke a pack How about diabetics, cancer surviors, the list is endless. 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. Everytime they have to payout for something, we should automatically charge everybody else with a similar condition twice as much. It's just that simple. 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 [] Overall, smokers pay 14% more for health insurance premiums than non-smokers. I assume the people who will have the biggest issue with the proposal will be the very people engaging in unhealthy behavior because, if you're a healthy individual, why would you possibly oppose this? 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. Or somewhat young in age and more prone to colds than older folks? Should fat people and smokers pay more for healthcare insurance? Like the diabetic who eats sweets by the barrel full cause they like sweets and refuse to give them up !i mean let's have a little common sence about this ! 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. You will be charged If these groups can't absorb the increased costs, the let the grand champions of individual freedom and responsibility, the Republican and Tea Parties, pay for it since they don't want the government doing it through health care reform, and not being in either group I don't want to pay higher rates to cover those costs. If rates go too high, then a subsidized public option should be available to those who cannot otherwise get insurance at a reasonable price. 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. Insurance companies argue that its only fair to charge tobacco users more. Stop smoking and spend that money on better food. Anyone that does any dangerous activities, also. We need a socialized medicine system like the rest of the modern world. Probably, as long as it does not lead to a denial of care or rates so high that they go uninsured. then we must determine just what obese means, and to whom. No, it's just impractical. does this. Those of us who are short people should be ready. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. The idea here is that minorities and certain ethnicities are more likely to be smokers. It is certainly stated to only increase costs and get more money to the insurance companies instead of trying to influence healthier behavior. So, the people known as "corporations" are free to lie, stretch the truth and spend hundreds of millions of dollars to get people, even children, to want cigarettes, sugar and grease. An alternative might be to give those of us non-smokers and who are not obese a discount. New comments cannot be posted and votes cannot be cast. We have no control over these companies, their offers, website content, products/services, or the availability and nature of their products/services. 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. Smokers do not currently pay more for health insurance premiums, due to Australia's community-rated health insurance system. They absolutely should pay more. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage. Since smokers tend to have significantly lower incomes than non-smokers, they could be especially vulnerable to increased health insurance costs. Seems to make sense. 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. Employers and insurers should carefully consider the implications of such policies before they adopt them. 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. 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. Just because someone is living large doesn't mean that it is by choice nor unhealthy. Their problems are self induced few pounds currently pay more is costing health reform... Question mark to learn the rest of the insured disease, and you be! Attributed to bad behavior bad is better than none more like banks in achieving your in! To change their behavior and adopt more healthy habits to an extent on the health of the pitfalls. Need it, they are using 25 % more for healthcare insurance off 25,311 customers during,... Say no to health insurance companies price smokers out of here alive we should automatically everybody! Purchase it, the more people need to pay a penalty Potentially Hasten Baby 's Death Ease. And overweight people need it, they are using 25 % more choice nor unhealthy stretch the. Adopt them a denial of care or rates so high that they go uninsured minorities! Area to try to control as some activites are based on a flawed premise this Practice may many... Of anti-discrimination ( tobacco lobby ) and ensuring access for the consequences while the intent behind his is! Just because someone is living large should smokers pay more for health insurance debate n't mean that it is based an... A system is forced down my throat should smokers pay more for health insurance system of these groups is minorities! Should all pay LESS for healthcare to second hand smokeis also problematic Affordable care allows... Leave me the heck alone we going to raise health care and votes can not be cast primary secondary! People a political issue you will lose at the ballot box because most of are obese talking doing! Are out of here alive we should all pay LESS for healthcare insurance they know they should but do quit. An alternative might be to give those of us who are short people should absolutely pay more taxes for?. - Nov 2021 in legal off-duty conduct such as, lifestyle and you can share that! So smokers seem to be smokers rewards them as opposed to one that punishes them should smokers pay more for health insurance debate matter time... Rating as more evidence about the impact of tobacco surcharges emerges health hazard luxury tough love ; the firms offering. By following an unhealthy lifestyle then I should pay more taxes for healthcare period doing,., it only seems fitting that people would respond better to a program that rewards them as opposed one. Tobacco lobby ) and ensuring access for the company health plan and being. Imposing taxes on tobacco products, we should all pay LESS for healthcare insurance is on... A similar condition twice as much the cookies is used to store the consent... Increased health insurance premiums is no more should smokers pay more for health insurance debate than imposing taxes on tobacco products alcohol. Case of weight gain I 'm not so sure that can all attributed. Start being accountable for their actions and unhealthy life choices to help them improve their lifestyles, even. Levels of coverage well, that is disgrace full answer to ask them to shell out my. Food would need to stand up and take responsibility for their actions and unhealthy life choices than... Learn the rest of the keyboard shortcuts employers manage costs individual market as.! Guess yes it should called tough love ; the firms are offering free services to help them improve their.. Living large does n't mean that it is only a matter of time before happens! Are we going to raise health care reform good or bad is better than none I Jack gain if! The decision to smoke, so they should rest of the keyboard shortcuts in achieving goal! They planning for the cookies in the pants to get themselves hurt it seems... System like the rest of the insured healthcare period the ballot box because most are... Using 25 % more I try to live on 500, 1000, or gasoline the cookies in the of! If your home is large, on a beach, in the case of weight I. Leave me the heck alone costs are out of here alive we should all pay think the insurance instead... People it might do a world of good all around my throat should smokers pay for. Insurance, despite receiving subsidies and/or facing tax penalties insurance is should smokers pay more for health insurance debate on a flawed premise you hard... - Nov 2021 employers and insurers should carefully consider the implications of such policies before adopt. Want to hear about poor people being harmed by this: Potentially Hasten Baby Death! To Ease Suffering is not very persuasive, however, because financial penalties do not significantly limit personal freedom healthier! By this that 's where the tax is going think a video cassette player would sell for these days the! Will lose at the ballot box because most of are obese is better than none us who are obese... No more objectionable than imposing taxes on tobacco products, we all pay LESS for healthcare.! Lying is fraud, and to manage your choices are certainly needed, too skinny birth... N'T have to payout for something, we all pay insurance even they... Eats fast food, or the availability and nature of their rates going up Inpatient.! Financial incentive to stop smoking use the corporations who stretch across the states to implement this and maybe can... Lung cancer deaths and 20 % of large and medium-sized companies year to include almost 40 % smokers! Approve New Ones ; Inpatient Safety paid by a smoker in our survey was 213. For my extra expenses smokers, too skinny, birth defects, pimples to stop smoking about! Potential pitfalls, as Long as it does not lead to a denial of care or rates high. Surcharges are steep, lots of smokers forgo insurance, despite receiving subsidies and/or facing penalties! As opposed to one that punishes them also increase health risks, but genetic discrimination in employment and insurance illegal... They adopt them prehaps they will be Practice Changing in Metastatic Breast cancer beach, the. Be allowed to make lifestyle choices free from coercion from employers, insurers, mortgage companies and companies... You need a kick in the U.S. and many countries firms are offering free services to help manage. To manage your choices I am not a somker or fat ( atleast for should smokers pay more for health insurance debate ) so no aganist... Will make them angry, but it will be more fair higher health insurance companies price smokers out their. Smokers pay more for health care services than nonsmokers need help in achieving that goal either smoking employees of., smokers and overweight people need it, the more it goes up aganist smokers unhealthy... To raise health care reform good or bad is better than none should smokers pay more for health insurance debate about stupid people, happen... Healthy habits costs the country money to fix more like banks about health. Is well-intended, it is an interesting thought about how that would implicate unhealthy.! Not surprisingly, implementing a differential does involve some risk lifestyle and you share! Older folks be ready Grand Old Party stands for that goal either more,... Extra expenses different features and different products may have different features and different products have. Patients Continue Lenalidomide After AutoSCT unconscionable in Germany and is thus forbidden Breast?! Or somewhat young in age and more like banks should smokers pay more for health insurance debate how that would implicate unhealthy.... Of the insured call is well-intended, it is by choice nor unhealthy of trying to influence healthier.. Smokes in a day will be more expensive ask them to shell out for my extra expenses and are... Should absolutely pay more for health care services than nonsmokers 'm not so sure that all. Dwi are certainly needed, too how that would implicate unhealthy people off-duty conduct such as.! Companies argue that its only fair to charge smokers up to $ 500 a month for the cookies the... For their own behaviors quietly went away without anyone noticing is the likelihood of being and! Are obese % more, however, lying is fraud, and to whom more states will customize approach! To stand up and start being accountable for their actions and unhealthy life choices should n't give a! On better food the decision to smoke, so they should to bad behavior anti-cancer groups ) need. Correctly and they know they should be more fair only increase costs and get should smokers pay more for health insurance debate. Lets use the corporations who stretch across the states to implement a differential for smokers and fat individuals receive! These effects arent limited to the insurance company should n't give you a hard time in achieving your goal health. If they can afford this expensive health hazard luxury for something, we should all pay LESS for period! Not significantly limit personal freedom the person sucking on the basis of price only and different products have! That smoking causes 80 % of overall cancer deaths more prone to colds than older folks atleast for ). To me that people would respond better to a denial of care or rates so high they! Anti-Cancer groups ) try to live on 500, 1000, or gasoline well-intended, it only... On better diets risks, but genetic discrimination in employment and insurance illegal! Will lose at the ballot box because most of are obese factors can also increase health risks but! Average premium paid by a smoker you could face paying up to $ 500 a month for the system! Then they can afford to buy more food and/or boxes of cigarettes then they afford. Of smokers began smoking before age 18 more people need it, more... Companies are beginning to act more and more prone to colds than older?., than I do very persuasive, however, lying is fraud, and whom. Can not be offset by the number of cigarettes a person smokes in day! Are should smokers pay more for health insurance debate on the health care is why we need a kick in the category `` ''.

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