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Old 02-24-2013, 02:36 PM
 
Location: Raleigh, NC
20,054 posts, read 18,325,619 times
Reputation: 3827

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Quote:
Originally Posted by Quick Enough View Post
Including, "who do risky sports, people who drive fast cars, etc."
You can't verify recreational sports with any accuracy. You CAN however verify smoking habits or ownership of a fast car.
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Old 02-24-2013, 02:37 PM
 
9,659 posts, read 10,250,277 times
Reputation: 3225
Should insurance companies know whether someone smokes?
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Old 02-24-2013, 02:37 PM
 
488 posts, read 556,266 times
Reputation: 348
Yes - or just refuse coverage completely. I wonder how many people that abhor "fees for lifestyle choices" are against insurers being made to cover pre-existing conditions.
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Old 02-24-2013, 02:37 PM
 
Location: Raleigh, NC
20,054 posts, read 18,325,619 times
Reputation: 3827
Quote:
Originally Posted by TheHurricaneKid View Post
Should insurance companies know whether someone smokes?
If they can, by all means they should know.
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Old 02-24-2013, 02:39 PM
 
Location: SF Bay Area
12,287 posts, read 9,851,363 times
Reputation: 6509
Actually smokers cost less over the corse of their lives to insure than non smokers.
Since they die sooner they miss the most expensive portions of their medical lives 60-80. Where a non smoker will cost more money between 60-80 and what ever they die from will cost just as much in treatment as smokers when hey die, it is just 20 years later.
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Old 02-24-2013, 02:40 PM
 
Location: Wisconsin
38,423 posts, read 22,357,569 times
Reputation: 14004
Quote:
Originally Posted by middle-aged mom View Post
A smoker can easily pay twice as much if not more as a non smoker for an individual policy.
This is not new and it has nothing to do with Obamacare.

Employers offering group policies are increasingly charging employees who smoke more. Some employers have terminated smokers and will not hire a smoker and ongoing testing is a condition of continued employment. A subset of employers are targeting dependents covered by the group policy.

Smokers are not a protected class.
Sure it does, states used to be able to control the coverage of insurance plans within their own borders, not any more, not unless they challenge 0bamaCare.
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Old 02-24-2013, 02:44 PM
 
Location: Wisconsin
38,423 posts, read 22,357,569 times
Reputation: 14004
Quote:
Originally Posted by summers73 View Post
You can't verify recreational sports with any accuracy. You CAN however verify smoking habits or ownership of a fast car.
You can lie "No doctor, I do not drink, smoke, an intravenous drug user nor am I gay," there now I'm not a smoker a drinker, nor in a heightened risk group for AIDS.
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Old 02-24-2013, 02:45 PM
 
Location: On the Chesapeake
45,579 posts, read 60,955,074 times
Reputation: 61314
Quote:
Originally Posted by Statutory Ape View Post
They already do.

Check out the price of taxed cigarettes.

Taxed to the max, man.

I can't think of anything else that is taxed that high.
Yeah the MD Legislature raised cigarette/cigar/pipe tobacco taxes over rhe last few years with the money "dedicated" (whole other story) to health care. Now they're looking at raising the taxes again because revenues from the taxes have fallen short of projections. As a note, tobacco remains MD's #1 cash crop even with the buyout a few years ago.
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Old 02-24-2013, 02:47 PM
 
12,265 posts, read 6,505,146 times
Reputation: 9442
Quote:
Originally Posted by summers73 View Post
Obama thinks so.
You and he have had a chat?
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Old 02-24-2013, 02:48 PM
 
Location: Old Bellevue, WA
18,782 posts, read 17,409,544 times
Reputation: 7990
You can't have a welfare state without a nanny state to go with it. The two go together like a horse and carriage. And wherever the horse goes, the carriage is sure to follow.

Lack of exercise has close to the same effect on avg. lifespan as smoking. If you can't do 50 push ups, 50 situps, 10 pull-ups, and run a mile in 7 minutes, then you are not it shape and should be charged more too.
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