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Jennie Said:

Why is everyone's health insurance premium the same?

We Answered:

I'll take this more from a group plan perspective. They CAN actually charge more for certain lifestyle choices, such as smoking. Some companies have actually fired employees who didn't quit smoking, as this is something employers may discriminate by when considering employment. My company charges an extra $25/mo if you or your spouse is a smoker.

It is harder to vary rates by overweight or fitness level (even if it is for the fat, lazy slob who eats 3 big macs for lunch every day). Because of ERISA (which governs group benefit plans), companies can not discriminate on the basis of pre-existing conditions. Someone may have a hereditary condition or medical condition that makes them overweight or unable to exercise as much (hypothyroid or a bad heart). Because of this, it's extremely difficult to come up with criteria to separate out the people who just don't take care of themselves from the ones who may have some medical reason.

If it makes you feel any better, they will die sooner, meaning that their pension and retiree medical benefits are likely worth less (if the company still has these).

Antonio Said:

Help with health insurance choice?!?

We Answered:

health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.

Stanley Said:

How can I reduce my car insurance premium (U.K.) ?

We Answered:

I did the things others have suggested and overall, with a couple hour's work cut my insurance cost by about 30%. If not careful, some companies will load you up with things you don't need.
Good luck, M'Lady. When buying you deserve to be treated like a Royal with your record, not given a Royal dunking!

Jennie Said:

Should people who choice to live unhealthy lives have to pay more for medical care and even insurance premiums

We Answered:

It might make people think more about the consequences of unhealthy choices if they had to shoulder a larger portion of the bill.

A discount for healthy living would be even better. Money off if you don't smoke and/or have a normal BMI.

Gordon Said:

Why does my health insurance premium just buy GOLD PLATED TOILETS for CEO's?

We Answered:

because this is just one more example of why an unregulated free market does not work. Now republicans are fighting alongside insurance companies to prevent regulation concerning premiums, denial of claims, pre-existing conditions, etc.