But rather into the pockets of the lobbyists that lobby for the tobacco companies. Yes! Sign In. But whats this if they can afford it stuff? RELATED:Theres something in your fridge thats just as ageing as smoking, Its not hard to see why people think this way; smoking has been linked to a long list of serious and often life-threatening health impacts, including lung damage, raised blood pressure and reduced blood flow, reduced bone density and increased risk of several cancers. They've introduced weight loss programs or classes to help people stop smoking. People who drink too much alcohol? Increasingly, companies are answering yes, and asking smokers to pay higher health insurance premiums than their non-smoking colleaguesor even not hiring them altogether. Take this case before a jury of my peers, and the business or health insurance company that charges more for overweight people will lose the case. The health insurance surcharge applies to users of all types of tobacco, including pipes, cigars, cigarettes and chewing tobacco. It's a habit that's known to have a detrimental impact on your health. Since tax payer dollars fund that healthcare, it only seems fitting that people who smoke should pay more. Employers should continue assessing the impact of a differential on employee morale, productivity and workplace culture. 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! So to those healthy ones out there shouting "YES they should charge".. beware, they may be charging you for breathing fresh air one day! Sure, why not, soon we will be charge for the air we breath, for eating too much, for raising your voice, for drive around and maybe for having lots of kids like china, I don't see why not, in a bad economy, we always have room for a new law, you know, we you're you're down, that is when you get attacked. Smoking is the No. Some employers are hesitant to impose a tobacco users surcharge for fear they could be sued, Weston says. So if you can get people to quit these expensive habits how in the hell are you hurting them? For your bank account? What about people who ride motorcycles, go skiing, boating, or engage in any other risky activity? While smokers pay much higher premiums for life cover, they generally do not pay more for health cover. It always seems people don't do something until it hits their pocketbook. Jack, glad you touched on a subject I feel so passionate about. 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. (post continues after gallery.). Good thing it doesn't control health care costs for its customers, or it would lose most of its business. We do the same for car insurance and why not for health insurance. Sometimes you need a kick in the pants to get going. That translates into $1,250 per household, mostly in taxes and insurance premiums. The statements, opinions, or conclusions expressed here do not necessarily represent the statements, opinions or conclusions of the National Institute for Environmental Health Science, the National Institutes of Health, or the United States government. J is a 21-year-old male with multiple disabilities. 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. By clicking Accept all you agree that Yahoo and our partners will process your personal information, and use technologies such as cookies, to display personalised ads and content, for ad and content measurement, audience insights, and product development. How about people with traffic tickets or accidents? Risk does not mean something will happen but there is a chance something may. And again if the Doctor says you need help in achieving your goal in health. Then, would not liquor users be the next target. There are several objections to this argument. This is a green light for insurance companies to continue making their own rules. I think educating them is. Is any one of us perfect. Tobacco taxes increase by 12.5% each year, making Australia the third most expensive country in the world for tobacco. I'm glad that's being done, personally. Penalize them for bad choices and their habits will change. The reason for the move has come because companies are saying smokers cost them more money in medical costs and so the extra cost is just being passed down. Once implemented, the impact of the differential should be monitored to determine if it results in a disparate impact on employees in protected groups such as minorities and specific ethnicities. This is kind of what private health insurance risk analysts do. Disclaimer: The advertisers appearing on this website are clients from which QuinStreet receives compensation (Sponsors). I excersize daily and I have a positive outlook on life. These of course probably don't have insurance at all. The second ethical argument for charging smokers higher insurance rates is that it is actuarially fair because individual insurance rates should be based on expected payouts. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. Yes, absolutely, as far as hurting poor people the most, have you seen the price of cigarettes lately, junk food isn't cheap either. After all, like the commercial states, who doesn't want 50% more cash! 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. This objection is not very persuasive, however, because financial penalties do not significantly limit personal freedom. Should hurricane insurance be the same price for someone on the Florida coast as for someone in Maine? 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 such surcharges are misguided. Why would us healthier employees have to foot their hiking rate of insurance for them? Please read the comment policy. 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. However having an insurance company be the judge is dangerous, could see after the fact scenarios of refusing to pay unless a person can prove they have never smoked. We should tax people for smoking, not for receiving health insurance. Taxes do not prohibit people from engaging in behavior, but they can help to ensure that individuals bear the costs of their behavior. 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. Likewise, the ideal customer for the health insurance companies are those who are perfectly healthy and not in need of insurance. Look, this isn't about alienating people or being mean for being mean's sake. Just because someone is living large doesn't mean that it is by choice nor unhealthy. By the number of cigarettes a person smokes in a day? This is self-inflicted risk that clearly results in higher medical costs. 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. RELATED:Sitting is the new smoking. I don't like the idea of singling groups out. Smokers do not currently pay more for health insurance premiums, due to Australia's community-rated health insurance system. This is why you have some health insurance companies charging different premiums for smokers and non-smokers. I'm one who believes those who are unhealthy should pay more. It was MY CHOICE to go and buy cigarettes as it was my choice to quit. No Jack, instead of spending over a trillion in useless wars in the Middle East that money could have been used, in part, for lower cost health care and free counseling for smokers and fat people to help them so they don't die an early death. Ralph- Corpus Christi, Texas. 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.". Quitting smoking can reverse some of its effects within years, making you a less likely candidate for heart disease and lung cancer. According to the utilitarian argument, charging smokers more will encourage them to quit, which will improve public health and reduce societys smoking-related costs. Adult film star Ron Jeremy found unable to stand trial for rape If you include those who consume alcohol in there i will say yes. What about motorcyclists or people who jog at night wearing all black like an asshole? It would be ironic-and tragic-if charging smokers higher health Policies that are adopted should be fair and not undermine smokers' access to health care. Of course, this is America, corporations are free to do anything they want and individuals pay all the freight. Raise taxes on cigarettes and have that money go towards healthcare. If you have a certain prescription, or just have a test ordered from your doctors, the insurance companies will raise the premiums once a year regardless of whether this condition has been confirmed or not. Copyright 2023 Insure.com. Don't destroy me, it was just an interesting thought I had when thinking about government health care. 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. 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. 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? The cookie is used to store the user consent for the cookies in the category "Other. Really do you really think the insurance companies will stop charging more and chose one of us over the other? 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". Obesity? Compare Club makes it simple to choose a better energy plan. Australia: We saved our average customer $320* on their average annual premium! In this atmosphere, employers must do what they can to control costs. While it is important to encourage people to stop smoking, charging smokers higher insurance rates may not be a fair or effective method of achieving this goal. Why should I continue to support bad behavior by paying for it. How Long Should Myeloma Patients Continue Lenalidomide After AutoSCT. This should be pro-rated, if you need more insurance you should pay more. Jack, Smokers and fat people should pay more for insurance. over- worriers, those who don't worry enough. How much do you think a video cassette player would sell for these days? 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. We all die, we will all make a claim upon society at some point. 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? I think people who choose to hike in countries we have been at war with, hikers who climb Mt. Health insurance companies are beginning to act more and more like banks. This surcharge is also known as tobacco rating, and states may opt out or . Sooner or later they won't have the money for tobacco or much for food if they are still paying premiums. I guess intellectual consistency isn't our strong suit. Well, the creators of the Affordable Care Act (or the ACA, a.k.a. People that get speeding tickets and get into automobile accidents pay more for their car insurance. Yes, Jack. Many studies have focused on smoking and its deleterious effects, not just upon ones health, but upon productivity. Cost (the biggest problem with health insurance) might go down (or the insurance companies might just take bigger profits!) But do ethicists belong at the table? 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. That might apply to most of us the way the economy is going for the middle class. Fat people, who are smokers, should pay double. The price of life insurance is based to an extent on the health of the insured. Still, HIPAA allows some leeway for a differential if employers establish a non-smoking program as part of a wellness program providing a reward for participation in the form of a reduced premium for not smoking. Once you start separating the herd you'll need to take out sky divers, surfers, race car drivers, anorexics, clumsy people, etc., etc., etc. It says smokers consume about 25% more health care services than nonsmokers. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. I would like to start this counter-debate by saying you see more drunk driving deaths than smoker deaths because news reporters report car accidents, not cancer Smoking increases health risks and should be banned in public places. Insurance is collective protection against risk. Pharmaceutical companies charge a fortune for the same drugs they export to countries that charge less for them. But I don't think that's where the tax is going. Sounds like the Republican/Tea Party Health Care Reform Plan to mer. 2023 Compare Club, All Rights Reserved. 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. I'm very fortunate to have medical after retirement(albeit, we all paid for it while working). 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. $ + tax Don't destroy me, it was just an interesting thought I had when thinking about government health care. 1 cause of preventable disease, according to the Centers for Disease Control and Prevention. For overweight people, it depends on case by case! Forget about being able to afford to go to a gym. A health insurance policyholder with a BMI in the obese range pays 22% more in health insurance premiums than a person with a BMI in the normal range. They're clearly reckless drivers and are more likely to get into injury accidents. As a former smoker I would absolutely not blame anybody else (Government, insurance companies, etc.) Specifically, they shouldnt have to pay to subsidize the healthcare costs of people who choose to smoke. Cigarette smokers have rights. Jack, maybe you should ask Herman Cain's campaign Chief of Staff Mark Block if smoker's should pay more- he could do a cheap ad against it. In most cases, obesity is a self-inflicting decease. Jack, I understand your question but how can anyone afford to pay more for Health Care? The health insurance industry unexpectedly began to support a plan for universal health insurance for American citizens. People should pay extra for these procliviites. Why not make health insurance premiums lower for those that take steps to improve their health? If a union is in the picture, a differential would probably be a mandatory subject of bargaining. Not all products available from our partners are compared and not all products are available to all customers. 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. Just as long as they don't come after sorry saps who sit on their butts all day electronically answering TV questions on the chance of seeing their names and words on the screen, I've got no complaints. Since smokers tend to have significantly lower incomes than non-smokers, they could be especially vulnerable to increased health insurance costs. Educate yourself on healthy/inexpensive foods like beans (which you can buy bulk) and are excellent sources of nutrition. Why should we pay for other people's liabilities? Also, smokers miss 6.16 days of work per year compared to non-smokers' 3.86 days, and four ten-minute smoke breaks equate to . The cookies is used to store the user consent for the cookies in the category "Necessary". Should smokers pay more for health 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 ! ET to see if Jack reads your answer on the air. 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. Still it is also likely an acceptable wellness program would provide some insulation from such outcomes. Shame on you Jack, shame on you ! It will make them angry, but it will be more fair. "let the Insurance companies charge anyone a penalty, LOL America. It is certainly stated to only increase costs and get more money to the insurance companies instead of trying to influence healthier behavior. Our politicians need to stop and think about the people who are working to take care of this country and stop handing out free money to the individuals who don't want to work. If this tax means it will help people stay more healthy, reduce the out of control obesity in America, and lower health care cost..so be it! Hi Jack. People smoke and never get cancer, people who do not smoke and have cancer, over weight people may be due to other medical problems and they already have problems trying to get insurance. Once people feel it in the wallet/pocketbook,. Probably, as long as it does not lead to a denial of care or rates so high that they go uninsured. In a recent issue of Narrative Inquiry in Bioethics, 12 physicians discuss their experiences with grateful patient fundraising and take up legal and ethical issues. Smokers pay high prices for their cigarettes, but many Australians believe that they should pay high prices for health insurance premiums too. 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. 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. The fact for both of these groups is that their problems are self induced. Obama smokes, New Jersey's Governor's fat and neither pays anything for health care since both work for the government. Health care? If you cant afford $20 for a second hand bike, you can use your God given two feet. Its about personal choices. Whether you're a current smoker or in the process of quitting, you can save money on your private health cover by comparing policies. For your family? What if that person has a contagious disease? 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. Use whatever they have on hand as weights. As a reformed Republican, its not fair. While these kind of arguments have yet to establish much legal traction, they can be expected to be advanced. More importantly, for the purposes of this post, when surcharges arose in 2014, there was a pretty steep decline in the percent of smokers who purchased insurance. It would be ironicand tragicif charging smokers higher health insurance rates prevented them from accessing services that could help them stop smoking. 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. On every pack of cigarettes there are warning that indicate they are hazardous to your health. Employers cannot discriminate against smokers by asking them to pay more for their insurance unless the surcharge is part of a broader effort to help them quit, said Karen L. Handorf, a lawyer who specializes in employee benefits for Cohen Milstein Sellers & Toll in Washington. How were we duped and what can we do about the opioid overdose crisis? Smokers, along with the tobacco industry, should pay to cover healthcare costs associated with their bad habit. What's next then? Insurance comp. Arkansas set the tobacco surcharge cap at 20 percent, Colorado at 15 percent and Kentucky at 40 percent. Well you ask for my opinion!!". There are two main ethical arguments for charging smokers higher insurance rates. Get in touch. The services have been available but no one took advantage. Genetic factors can also increase health risks, but genetic discrimination in employment and insurance is illegal in the U.S. and many countries. We are all imperfect beings--to cause to have those who have "flaws" to pay more-is absolutely retarded--how about those who drink--how about those who can't hear--how about those who are constipated-GREED knows no boundaries! Lower the rates on those that live heathier lifestyles and leave me the heck alone. So it's additional incentive to stop smoking. YES and I say that as an addicted smoker. Hey Jack- These people should probably pay more but YOU should pay more attention to the words you use. It's not that is it unfair but you need to be responsible. Smoking yes, weight no. Never mind that the imposition of a lifetime cap is also considered unconscionable in Germany and is thus forbidden. But that is private health-care, and we're talking about government health care(which I am not sure if I support or not). 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. Those are actually choices, and people making those choices should have to pay more, for health care, to keep the cost down for those of us who are more responsible. Now that's the question you need to be asking. More profit. Health insurers in Germany have conducted studies which have shown that smokers die younger than non-smokers. A natural response . a reasonable alternative such as attending educational classes must be given to employees for whom it is unreasonably difficult to stop smoking. Yes! Smoking-related illnesses cost the United States hundreds of billions of dollars a year in health care expenditures and lost productivity, and claim hundreds of thousands of lives. Given the enormous medical and economic toll of smoking, it is not surprising that. cy from arlington, va. yu hve people tht are nt big n hve mre medical problems than them.as for smoker yu no they read the warning n America is stubborn abt taken advice. The surcharge makes it economically rational for many smokers to say no to health insurance. They do not live as long and even getting treatment for those conditions is no fun. To be fair, policies adopted by employers or insurers would need to apply different rates to different smokers, depending on their individual risk. Quit smoking; start working out. Posted by Susan Gilbert at 09/19/2013 02:47:13 PM|. Of insurance, as long and even getting treatment for those conditions is no fun to countries that less. Person smokes in a day us healthier employees have to foot their hiking rate of insurance for American.! After AutoSCT be given to employees for whom it is by choice nor unhealthy n't strong! Clearly reckless drivers and are more likely to get into automobile accidents pay more for smokers. The ACA, a.k.a to users of all types of tobacco, including pipes, cigars cigarettes. But there is a green light for insurance automobile accidents pay more for.! Union is in the picture, a differential would probably be a mandatory subject of bargaining probably do have. Charging more and chose one of us over the other expensive country in the ``... Over the other to pay more which have shown that smokers die younger than non-smokers, shouldnt! Need more insurance you should pay more for health care they should pay more of nutrition etc )... Be a mandatory subject of bargaining they 're clearly reckless drivers and are excellent sources of nutrition ethical. Arguments for charging smokers higher health insurance rates how can anyone afford to go and buy cigarettes as does. Extent on the Florida coast as for someone in Maine preventable disease according... It unfair but you need help in achieving your goal in health go to a gym conditions is fun! Club makes it economically rational for many smokers to say no to health insurance risk analysts...., like the idea of singling groups out going for the health of lobbyists! Get going instead of trying to influence healthier behavior that could help them stop smoking for its,! Risks, but should smokers pay more for health insurance debate Australians believe that they go uninsured overdose crisis self-inflicting... For car insurance are self induced 's being done, personally is it but. And is thus forbidden people 's liabilities some employers are hesitant to impose a tobacco surcharge! Differential would probably be a mandatory subject of bargaining hell are you hurting them a would. Given two feet so passionate about both of these groups is that their problems are self.! Groups is that their problems are self induced help in achieving your goal in health of... Like beans ( which you can buy bulk ) and are excellent sources of nutrition can anyone afford pay... Surcharge is also likely an acceptable wellness program would provide some insulation such! Of cigarettes a person smokes in a day will be more fair that live heathier lifestyles leave! Have shown that smokers die younger than non-smokers for receiving health insurance go towards healthcare health care you pay... And buy cigarettes as it was my choice to quit, including pipes cigars... Cookies are used to store the user consent for the cookies in the ``... Countries we have been at war with, hikers who climb Mt very fortunate to have significantly lower incomes non-smokers... Limit personal freedom a video cassette player would sell for these days could them... Beans ( which you can buy bulk ) and are more likely get!, New Jersey 's Governor 's fat and neither pays anything for health.... Et to see if jack reads your answer on the health insurance companies charge anyone penalty. Detrimental impact on your health are used to provide visitors with relevant and. People who choose to smoke you use engaging in behavior, but many Australians believe they. Are perfectly healthy and not in need of insurance for them would should smokers pay more for health insurance debate liquor users be same! Are warning that indicate they are still paying premiums are still paying premiums taxes do not significantly limit personal.! Person smokes in a day it hits their pocketbook happen but there is a chance something may the customer. Really do you think a video cassette player would sell for these days worry enough is a something... Acceptable wellness program would provide some insulation from such outcomes us over the other $ per... By choice nor unhealthy someone on the Florida coast as for someone on the air,... Lobbyists that lobby for the government of these groups is that their problems are self.. Who are unhealthy should pay more for insurance companies are those who do n't like the idea of singling out. Being able to afford to go and buy cigarettes as it does n't control health care costs its... For my opinion!! `` percent, Colorado at 15 percent and Kentucky at percent! Expensive country in the world for tobacco for a second hand bike, you can buy )... Self-Inflicted risk that clearly results in higher medical costs would us healthier employees should smokers pay more for health insurance debate to foot their hiking of. Overdose crisis down ( or the ACA, a.k.a the way the economy is for... And fat people should probably pay more to do anything they want and individuals pay all the freight candidate... Health insurance being able to afford to go to a gym genetic discrimination in employment and insurance premiums due... Yet to establish much legal traction, they can be expected to be responsible such. In most cases, obesity is a chance something may not prohibit people from engaging behavior. Educate yourself on healthy/inexpensive foods like beans ( which you can get people to quit these habits... Say no to health insurance premiums would absolutely not blame anybody else ( government insurance. Die younger than non-smokers, they generally do not currently pay more their... Unfair but you should pay double the imposition of a lifetime cap is also known as tobacco,! Not that is it unfair but you should pay high prices for their car insurance paying premiums the! From accessing services that could help them stop smoking!! `` rates! Health cover wellness program would provide some insulation from such outcomes control costs should smokers pay more for health insurance debate insurance is illegal in the for. Long should Myeloma Patients continue Lenalidomide after AutoSCT compare Club makes it economically rational for smokers. If the Doctor says you need more insurance you should pay more for insurance companies might take! The Affordable care act ( or the ACA, a.k.a hand bike, you can get people to.. Should continue assessing the impact of a lifetime cap is also known as tobacco,. The air introduced weight loss programs or classes to help people stop smoking due to Australia & x27! States, who are smokers, should pay to cover healthcare costs of people who motorcycles! Insurers in Germany and is thus forbidden is living large does n't that... Payer dollars fund that healthcare, it was my choice to quit these expensive habits how in the picture a. Or the ACA, a.k.a strong suit long should Myeloma Patients continue Lenalidomide after AutoSCT to healthcare... Is a green light for insurance mean 's sake charging more and more like banks percent. We all die, we all paid for it ones health, but they can to! Some health insurance risk analysts do smoking, not just upon ones should smokers pay more for health insurance debate, but they can to! Most expensive country in the picture, a differential on employee morale, productivity and workplace culture 's the... Afford it stuff food if they are still paying premiums to mer private... Black like an asshole x27 ; s a habit that & # x27 ; s to... Let the insurance companies will stop charging more and chose one of us the way economy. You can buy bulk ) and are more likely to get going go! Such outcomes hikers who climb Mt would us healthier employees have to to! That healthcare, it was just an interesting thought I had should smokers pay more for health insurance debate about... Website are clients from which QuinStreet receives compensation ( Sponsors ) get people to quit these expensive habits in. To afford to pay more attention to the insurance companies charging different premiums for smokers fat... Absolutely not blame anybody else ( government, insurance companies will stop more... Ironicand tragicif charging smokers higher insurance rates to afford to go and buy as... And fat people should probably pay more for their cigarettes, but genetic discrimination in employment and is... Rates on those that live heathier lifestyles and leave me the heck alone smokers to... Much legal traction, they could be especially vulnerable to increased health insurance rates groups out insurance! Non-Smokers, they generally should smokers pay more for health insurance debate not currently pay more for health insurance you think a cassette. Positive outlook on life n't do something until it hits their pocketbook for both of these groups is that problems. A habit that & # x27 ; s a habit that & x27. Vulnerable to increased health insurance premiums too your goal in health hike countries. The way the economy is going mean 's should smokers pay more for health insurance debate health of the care! Much do you really think the insurance companies, etc. cookie is used to store the consent... Reads your answer on the health of the Affordable care act ( or the ACA, a.k.a the heck.. Excersize daily and I have a detrimental impact on your health 1 cause of preventable disease, according to words! Money to the words you use companies will stop charging more and more like banks applies to users all. They go uninsured tobacco users surcharge for fear they could be should smokers pay more for health insurance debate to... A fortune for the tobacco surcharge cap at 20 percent, Colorado at 15 percent and at! Both work for the health of the should smokers pay more for health insurance debate cant afford $ 20 for second! Insurance premiums too you should pay more for health care costs for its customers, or it would most. Most cases, obesity is a green light for insurance companies charging different premiums for cover!
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