Man, you've GOT to do something about your weight ... from a lazy-ass ex-G.I. as they get. I know it can be done. We need you here, and it's CRAPPY to have to just sit here and watch you feed yourself to death!! Go for help if necesso. We need your kind on INGUN.
Well you can and it should cost you more for doing it. Why is it that every other insurance is allowed to use actuarial tables EXCEPT health insurance?
That's kind of like saying you live in a flood plain that floods twice every year yet you shouldn't pay more for homeowners insurance then the home on top of the mountain. If you don't want to pay more then build on top of the mountain next time. Don't stay at the bottom whining about how McDonalds made you fat and it's not your fault you built in a flood plain.
A few years ago I had the same insurance but my family deductible was 7k. We are a healthy family but a month after the new insurance went into effect, my 4yr old daughter needed her tonsils out. Well there was about $100 in the HSA. I had to pull about 5k from a home equity loan to cover the bill...and that was at a discount. Here I am with insurance and I was scrambling to find the cash to pay my medical bills. It went to collections by the time I was able to get the funds but I was barely able to prevent it from showing up on my credit. I am still paying that off several years later. We have since ditched the CRAPPY city insurance offerings and now have insurance through IUPUI...MUCH BETTER.
if thats the case should you show grocery receipts to show how much sodium, sugar, preservatives, corn syrup, processed foods you and your family eat? should you pay more if you or your children play sports? tennis elbow, payton's neck, did ali take two many shots to the head? what if you shoot guns, reload ammo? lead is bad and ill bet gun powder has been shown to cause cancer in cali should you pay more? if you climb into trees each fall to hunt deer you could fall and get hurt and that wouldn't be fair to the guy who pays the same premium as you who doesn't. should the sun worshipers or the guy who works outside in the summer pay more because his or her chance of skin cancer pay more? what about the people who sit in front of their computers for hours? vision insurance isn't free and i hear there is a chance for blood clots so people that have internet should pay more than those who don't? should white and black people pay defferent amounts because their odds of getting sick with something is different? what if my house is old and might have lead paint on the walls or some asbestos in the insulation? should the insurance company come to inspect it so they know how much i might cost them? you see where this goes, do the insurance companies have the right to know all things about us to "maximize their profit whilst minimizing their risk"?
