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";s:4:"text";s:11350:"Being a smoker, obese, unhealthy is a choice. It never ends. The idea is also dead wrong. Tax credits to help pay for health insurance are available to. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. These cookies ensure basic functionalities and security features of the website, anonymously. Let's take smokers. Our radiology departments answer was, Well, theres always the zoo.. Doctors charge whatever exorbitant price they want, and have NO incentive to make us well because then, theyd lose money. Should smokers and fat people pay more for health care? Although my company does not provide anything to assist me with these items, there is plenty of free and low cost assistance on both items. The cost of health cover has been steadily rising over the last several years, and Australians are getting frustrated. 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. 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. Please see our FSG. The Affordable Care Act allows insurance companies to charge smokers up to 50% more for premiums. 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. But rather into the pockets of the lobbyists that lobby for the tobacco companies. Pepperell, MA. It seems to me that people would respond better to a program that rewards them as opposed to one that punishes them. Jack Cafferty sounds off hourly on the Situation Room on the stories crossing his radar. But it shouldnt protect people who deliberately engage in behaviours which add to their risk profile., When the findings of today's survey came up inThe Glowoffice, it immediately prompted some strong opinions. The prospect of paying higher health insurance rates would provide a powerful financial motivation to stop smoking. If we begin to separate people because of diseases, it might begin to punish people with costly diseases which they could not have prevented like Type one diabetes, Parkinson's, most cancers etc. But is this plan moral? How Long Should Myeloma Patients Continue Lenalidomide After AutoSCT. Deborah Chollet, a senior fellow at Mathematica Policy Research in Washington, D.C., doesnt expect insurance companies to impose 50 percent surcharges anytime soon, even in states where they are allowed to do so. Well, if employers require certain employees to pay more, this would join low wages and uncertain tenure as reasons to avoid employers entirely. The fact of the matter is that these people are just enablers. Employers and insurers should carefully consider the implications of such policies before they adopt them. Jack, when we start down this road of charging people higher premiums based on the choices they make where does it end. Therefore, they cost LESS than non-smokers who live longer and who will suffer other costly age-related diseases. instead of providing serious programs to educate, The opinions expressed here are those of the authors, not The Hastings Center. It was MY CHOICE to go and buy cigarettes as it was my choice to quit. If they spend more for health insurance, maybe they won't have enough funds for cigarettes or junk food!! 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. 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. Again explain to me why this is a bad thing. A) Yes! prehaps they will be more motivated to change their behavior and adopt more healthy habits. C) Is a longer and improved life not a good motivation? Seems to make sense. Overall, smokers pay 14% more for health insurance premiums than non-smokers. Well you ask for my opinion!!". The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. 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. Prohibition proved that. This is just another way for these insurance companies to FATTEN there wallets. Edit: Striking out last sentence because I'm an idiot. Shame on you Jack, shame on you ! Compare Club Australia Pty Ltd (CCA) is a corporate authorised representative (AFS Representative number 001279036) of Alternative Media Pty Ltd (AFS License number 486326). Let me get this straight, "the not poor" buy "the poor" food, while "the poor" buy cigarettes. $ + tax A complete guide to short-term health insurance. Get fat on steroids from their asthama? These cookies track visitors across websites and collect information to provide customized ads. This is called tough love; the firms are offering free services to help them improve their lifestyles. Good luck in getting that bit of reality dealt with. Smokers should pay for their own health costs. My ex-doctor had 9 signs on the wall of his waiting room stating cash for service rendered and no Medicare accepted. Another tax on the poor and middle class in terms of a health insurance "surtax" will not fix the problem. Absolutely! Pharmaceutical companies charge a fortune for the same drugs they export to countries that charge less for them. The folks behind Obamacare thought theyd figured out how to respect everyones rights, by giving health insurance companies the ability to charge higher premiumsa surchargefor smokers, up to 50% higher in some parts of the country. Fair is fair! 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. After all they are more likely to have higher health care costs! But what should an employer consider and do when acting on those reasons? Then why shouldn't healthcare be based on fitness level? charge higher insurance premiums to employees who smoke, and some companies refuse to hire smokers. Instead of penalizing smokers and obese individuals, reward the the healthy with cash. Please click OK to accept. 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. CCA is a credit rep (Credit Representative Number 519886) of Alternative Media Pty Ltd (ACL Number 486326), please see our Credit Guide. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Fat people and smokers should pay more absolutly. Not surprisingly, implementing a differential does involve some risk. Australia: We saved our average customer $320* on their average annual premium! These cookies will be stored in your browser only with your consent. It's just that simple. Figure out your major motivation and use it to help you through your journey. This is provocatively simplistic, betrays the lack of decency befouling this country, and represents why government can't leave corporations to run health care. This post is nothing more than to anger people and get ratings. Starting next year, Wal-Mart will charge employees who smoke higher premiums, along with offering a free program to help them quit. We all die, we will all make a claim upon society at some point. Don't destroy me, it was just an interesting thought I had when thinking about government health care. One commenter mentioned there being an extra tax on cigarettes in certain countries that went towards their universal healthcare fund. If they can pay for their smoking, there is no way they can not pay for their additional cost of their own health care, if they can kill them selves with money why to be burden other people who lives healthy life style. I have always thought it odd that smokers are so shunned, at least in part because of the health problems and costs they bring, while the wilfully overweight are victims of the fast food industry. So if your reckless with your health then you should pay more, When will man move to his next level of consciousness and realize we're all in this together ? That makes them more expensive, and gives their users more of a reasons to quit. Jack, the answer is simple. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Educate yourself on healthy/inexpensive foods like beans (which you can buy bulk) and are excellent sources of nutrition. You bet, Jack. It's a slippery slope. No one, not even the near dead, should pay MORE to these vultures. And its not guarenteed that all smokers will burden the health care system. Lower the rates on those that live heathier lifestyles and leave me the heck alone. This is just one more shameful proposal. Increasingly, companies are answering yes, and asking smokers to pay higher health insurance premiums than their non-smoking colleaguesor even not hiring them altogether. Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Another incentive. This should be pro-rated, if you need more insurance you should pay more. The GOP would never accept a such an un-American thing as a tax increase on these people. (post continues after gallery.). They should foot the bill for the fat and un-healthy. After all, like the commercial states, who doesn't want 50% more cash! They do not live as long and even getting treatment for those conditions is no fun. Fat people and smokers definetly should pay more for their Health Insurance. Health insurers are divided in how they treat users of e-cigarettes, which deliver nicotine but are not a tobacco product. Taxes do not prohibit people from engaging in behavior, but they can help to ensure that individuals bear the costs of their behavior. But non-smokers have rights, too. Private health insurance for smokers - Do they pay more? In a way Jack they already do. In a society where brand marketing has glorified unhealthy habits including smoking, video games and fast food over the years, it seems as a society we are struggling to correct these mistakes. Whether or not this is fair is hard to say for sure, but if you're thinking of quitting smoking now could be the time. 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