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Why aren’t health insurers allowed to deny coverage or charge higher premiums based upon physical fitness?

Editor — Sun, 30 May 2010 19:42:09 +0000

I eat right and I exercise seven to eight times per week. I look better – and bench more – at 40 than I did at 20. My cholesterol count is 133. It’s just a matter of lifestyle: a choice.

My risk of serious health problems – and significant cost to my insurer -is as a result much less than that of an overweight, lethargic person (or smoker, heavy drinker, illicit drug user, etc….).

People who are judged to have caused automobile accidents, or have certain types of citations, etc… pay more than the rest of us for car insurance (a lot more) with the net result being that our premiums are lower than they would be if the total cost to insure drivers were spread evenly among us.

Why can’t it work that way with health insurance? Wouldn’t that help reduce premiums for the rest of us, as people who make unhealthy lifestyle choices either (a) had to pay higher premiums or (b) opted out of coverage altogether?

The process would be simple – every 3 years the insured would have to take a physical exam with his PCP (the insurer already pays for an annual physical). A higher premium would apply based upon weight guidelines – say starting at 20 lbs overweight – and other measures that could easily be detected via blood test and/or urinalysis, such as drug use.

Isn’t this how insurance is supposed to work? The concept is that a group of individuals insures against a risk of something bad happening to any of them.

But self-induced health problems aren’t the same insurable risk as are random health problems. It’s really unfair for people who stay fit to have to pay more than the true cost of their risk, in order to allow people who don’t stay fit to skate off paying less than the true cost of their risk, especially when the differences are the result of choices.

And wouldn’t higher premiums for obesity, smoking, etc…. serve as an additional inducement for people with bad habits to change them?
Question was health, not life.
Incog – yes, obesity is caused by overeating. [calories consumed minus calories burned] x 3500 = 1 lb

Does a wet reckless charge always increase insurance rates?

Editor — Sat, 29 May 2010 09:44:45 +0000

I plead a DUI down to a wet and reckless for a reduced charge. This was over a year ago, and my insurance premium hasn’t changed a bit. Does it have anything to do with the fact that i have minimum legal coverage, or do they simply not acknowledge this charge? Im asking because I want to switch to comprehensive coverage but im afraid that will trigger something in their system. I would call and ask but I don’t want them to raise my rate in case they overlooked something. I’m with Mercury insurance. Thanks

Can auto insurance companies charge for unearned premium in Florida and when can they?

Editor — Sat, 22 May 2010 13:41:03 +0000

Can a company charge me a premium for the 4 months it took them to approve me for term life insurance?

Editor — Tue, 04 May 2010 12:00:04 +0000

I paid the premium after passing all the medical exams, etc… They never told me I was covered from when I applied for the policy, four months earlyer. Now they tell me I was covered from the date of application. I doubt they would have paid out before getting my payment. Am I being scammed?

Will getting a DUI charge influence my auto insurance? How?

Editor — Tue, 27 Apr 2010 15:09:59 +0000

can an employer charge an employee when they quit for insurance premiums they paid in advance?

Editor — Mon, 26 Apr 2010 19:52:27 +0000

My husband recently quit his job and we were planning on getting our own insurance or go on Cobra through December. His employer said they pay premiums 2 months in advance and therefore we owe them 2 months worth of premiums. We may use December but are definitely planning on being on our own insurance in January. Are we liable for paying them these premiums that they can’t get refunded from the health insurance?

What Is The Maximum Premium Finance Companies In The State Of TN Can Charge For Insurance,IE. LIFE,DISABILITY.

Editor — Wed, 14 Apr 2010 19:43:08 +0000

How To Make Real Money With Ytb!”turbo Charge You Levels!

Editor — Wed, 25 Nov 2009 08:04:04 +0000

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