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Write what you think; is it fair for insurance companies have a right to raise the premium for smokers?
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CeCe
Tony Marino
Forgiveness Man
Shale
Chris
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Should smokers have to pay more for health insurance?
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- Post n°2
Re: Should smokers have to pay more for health insurance?
by Shale Fri Jun 10, 2011 9:27 am
I think I have been in a health plan at work that gave discounts to non smokers. It is part of the actuary that shows risk factors and their cost and insurance companies subscribe to that (Why teenaged boys pay more for car insurance than mid 20s).
However, smoking, tho a significant detriment to health is not the only risk factor. Big Macs are in there somewhere I'm sure.
However, smoking, tho a significant detriment to health is not the only risk factor. Big Macs are in there somewhere I'm sure.
Forgiveness Man- …is a Chamber Royal.
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Re: Should smokers have to pay more for health insurance?
by Forgiveness Man Fri Jun 10, 2011 9:40 am
I understand the principle but I worry it'll lead to overcharging for everything that somebody does that an insurance company doesn't like.
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Re: Should smokers have to pay more for health insurance?
by Tony Marino Fri Jun 10, 2011 10:12 am
No they should not be charged extra like FM said It would probably lead to the insurance companies charging more for anything that they didn't like.
CeCe- …is a Chamber DEITY.
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Re: Should smokers have to pay more for health insurance?
by CeCe Fri Jun 10, 2011 10:17 am
Tony Marino wrote:No they should not be charged extra like FM said It would probably lead to the insurance companies charging more for anything that they didn't like.
Too many cupcakes & like Shale said, Big Macs. They would eventually move on to people who like to skydive or rock climb.
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Re: Should smokers have to pay more for health insurance?
by Nystyle709 Fri Jun 10, 2011 4:23 pm
Nope.
RedBedroom- …is a Chamber DEITY.
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Re: Should smokers have to pay more for health insurance?
by RedBedroom Fri Jun 10, 2011 11:12 pm
I think they should. I also think that obese people should as well. But this stems from us being a relatively healthy family that buys our insurance privately, so I am all for anything that may help our premiums not go up.
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Re: Should smokers have to pay more for health insurance?
by CatEyes10736 Fri Jun 10, 2011 11:18 pm
Tony Marino wrote:No they should not be charged extra like FM said It would probably lead to the insurance companies charging more for anything that they didn't like.
I agree that it opens the floodgates. Alcoholics and people with too many speeding tickets would be their next way target, all for the sake of squeezing more money from pockets.
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- Post n°9
Re: Should smokers have to pay more for health insurance?
by Marc™ Sat Jun 11, 2011 1:31 pm
No. The potential health fallout from cigarettes isn't sure enough for insurance companies to start posturing like that.
CeCe- …is a Chamber DEITY.
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- Post n°10
Re: Should smokers have to pay more for health insurance?
by CeCe Sat Jun 11, 2011 2:27 pm
RedBedroom wrote:I think they should. I also think that obese people should as well. But this stems from us being a relatively healthy family that buys our insurance privately, so I am all for anything that may help our premiums not go up.
That's just it Red. That will never happen. If they do this & it's profitable, they will FIND a way to raise your rates. It isn't your health care or saving you some money they're interested in at all.
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