Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
My husband and I have almost perfect driving records. And because of that, our auto insurance is lower than typical.
We are health freaks. We workout at the gym almost everyday of the week. We are very mindful of what we eat. We are both very active adults. Our blood tests always come back exactly what a healthy adult should be. His body fat percentage is 10-12% while mine is 13-14%.
So, why do we pay the same premiums for our health insurance as people who are morbidly obese?
Don't get me wrong. I'm not putting down fat people at all. I believe in freedom of choice. If people want to be fat, then more power to them.
But how come insurance companies never put one's healthy lifestyle (or the lack thereof) into account?
Yes, and some companies have Wellness programs that will donate money into an HSA (if you have one) for maintaining certain health goals (ie. BMI, blood pressure, etc.)
We are currently enrolled in my employer's plan. I pay the same as a coworker even though he is 300+ LB and have missed many days of work due to health issues.
Yes, and some companies have Wellness programs that will donate money into an HSA (if you have one) for maintaining certain health goals (ie. BMI, blood pressure, etc.)
Rg
I know about the Wellness programs. I don't know how others are like, but for us every year we get a discount for doing 2 things: watch an online slide show on health and getting bloodwork done. Results of the bloodwork don't matter at all.
Why do people think insurance has to benefit the person paying?
There is no requirement to do so.
TO the OP concerning car insurance vs health insurance. No real market for health insurance outside of employers therefore no need to lure people in through incentives or reductions in price.
Your healthy habits are giving the insurance company a discount. Its not like you get those premiums back that you don't spend. We treat health insurance the same as car or home insurance but it is a completely different animal in structure and cost.
We are currently enrolled in my employer's plan. I pay the same as a coworker even though he is 300+ LB and have missed many days of work due to health issues.
What your experience is does not make it the facts for everyone. Once again we have a thread that starts off with a false assumption. I get a $40 a month discount for having a physical each year followed up with suggestions for healthier living in my email and I don't pay the $50 a month extra for being a smoker.
How would a health insurance company "police" people for healthy lifestyles?
Same way as how the auto insurance companies police people.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
