Law School Discussion

Poll

Should body fat percentage influence an employee's insurance premium?

No, group plans should charge all employees the same premium.
13 (36.1%)
No, but other things like smoking and drug use should.
4 (11.1%)
Yes, the fatter you get, the more you should pay.
16 (44.4%)
Yes, fat people should have to pay less.  They need the money for food.
3 (8.3%)

Total Members Voted: 36

Should Fat People Pay More?

jack24

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Should Fat People Pay More?
« on: March 23, 2009, 10:36:05 AM »
In many (maybe most) states, non-government group insurance plans can not use physical fitness, body fat, lifestyle, or genetic history as determining factors for insurance premiums.  Is that a good thing?  Is there a privacy concern? Would higher rates for fat people just discourage them from having any coverage at all?
Discuss.

Matthies

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Re: Should Fat People Pay More?
« Reply #1 on: March 23, 2009, 10:49:03 AM »
What about higher rates for people who play sports or engage in athletic activities. Every time Iím skiing I see someone coming down out of the park on a ski patrol meat wagon likely because they screwed up a 20 foot jump trying to land fakie or something.

Iím thinking my premium is paying for that kid, or the guy who does not wear a helmet, or the guy who rides his bike in the street or people who play in the company softball league, or the guys playing b-ball at the school, or the guy who gets on a ladder to empty his gutters, or the person who likes to tan and gets skin cancer.

I think once you start saying peopleís actions should be covered or not covered based on what they do/donít do you can find a reason to deny claims to everyone: if you active no claims your too risky, if you sedentary no claims you should get out and be active.  ::)

jack24

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Re: Should Fat People Pay More?
« Reply #2 on: March 23, 2009, 10:56:52 AM »
What about higher rates for people who play sports or engage in athletic activities. Every time Iím skiing I see someone coming down out of the park on a ski patrol meat wagon likely because they screwed up a 20 foot jump trying to land fakie or something.

Iím thinking my premium is paying for that kid, or the guy who does not wear a helmet, or the guy who rides his bike in the street or people who play in the company softball league, or the guys playing b-ball at the school, or the guy who gets on a ladder to empty his gutters, or the person who likes to tan and gets skin cancer.

I think once you start saying peopleís actions should be covered or not covered based on what they do/donít do you can find a reason to deny claims to everyone: if you active no claims your too risky, if you sedentary no claims you should get out and be active.  ::)


Good point, but body fat is far easier to measure than the level of dangerous activities in a person's life.  The test would also be consistent and almost completely objective.  Skiing/snowboarding, for example, would be almost impossible to measure. How often do you go? How challenging are the resorts/runs you spend your time on? Do you wear a helmet? How safe is your equipment?  Do you ever do inverted tricks?   
Body fat is more consistent.  And body fat can be easily re-measured.  

This is wrong.

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Re: Should Fat People Pay More?
« Reply #3 on: March 23, 2009, 10:57:38 AM »
... or the guys playing b-ball at the school ...


How about the couple of guys who were up to no good?

'blueskies

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Re: Should Fat People Pay More?
« Reply #4 on: March 23, 2009, 10:58:41 AM »
Your premium is also based on perexisting conditions...heart disease, diabetes, high blood pressure,etc. I would imagine obese people do end up paying higher premiums

just some guy

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Re: Should Fat People Pay More?
« Reply #5 on: March 23, 2009, 11:01:21 AM »
Isn't it enough that they pay more for sex?

jack24

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Re: Should Fat People Pay More?
« Reply #6 on: March 23, 2009, 11:01:47 AM »
Your premium is also based on perexisting conditions...heart disease, diabetes, high blood pressure,etc. I would imagine obese people do end up paying higher premiums

In my state, pre-existing conditions do not apply to group/employer health coverage.
There is a waiting period of 6 months, so sick people can't just get a job to pay for their medical bills.  (Unless they can tough it out for 6 months)

Matthies

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Re: Should Fat People Pay More?
« Reply #7 on: March 23, 2009, 11:21:47 AM »
What about higher rates for people who play sports or engage in athletic activities. Every time Iím skiing I see someone coming down out of the park on a ski patrol meat wagon likely because they screwed up a 20 foot jump trying to land fakie or something.

Iím thinking my premium is paying for that kid, or the guy who does not wear a helmet, or the guy who rides his bike in the street or people who play in the company softball league, or the guys playing b-ball at the school, or the guy who gets on a ladder to empty his gutters, or the person who likes to tan and gets skin cancer.

I think once you start saying peopleís actions should be covered or not covered based on what they do/donít do you can find a reason to deny claims to everyone: if you active no claims your too risky, if you sedentary no claims you should get out and be active.  ::)


Good point, but body fat is far easier to measure than the level of dangerous activities in a person's life.  The test would also be consistent and almost completely objective.  Skiing/snowboarding, for example, would be almost impossible to measure. How often do you go? How challenging are the resorts/runs you spend your time on? Do you wear a helmet? How safe is your equipment?  Do you ever do inverted tricks?   
Body fat is more consistent.  And body fat can be easily re-measured.  

When are you going to check body fat, every six months, people get fat/skinny all the time. What if the fat guy has not health problems but the skinny guy has a history of heart desease in his family, he should pay less?Why not just deny anyone who gest injured on the slopes on the basketball court, gets ahead injury w/o helemt, drive a car w/o air bags, drinks caffinee, goes to law school and gets stressed. Its never ending, best way is let the system price out general risk in population, bigger probklem is people w/o insurance at all.

This is wrong.

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Re: Should Fat People Pay More?
« Reply #8 on: March 23, 2009, 11:29:07 AM »
What about higher rates for people who play sports or engage in athletic activities. Every time Iím skiing I see someone coming down out of the park on a ski patrol meat wagon likely because they screwed up a 20 foot jump trying to land fakie or something.

Iím thinking my premium is paying for that kid, or the guy who does not wear a helmet, or the guy who rides his bike in the street or people who play in the company softball league, or the guys playing b-ball at the school, or the guy who gets on a ladder to empty his gutters, or the person who likes to tan and gets skin cancer.

I think once you start saying peopleís actions should be covered or not covered based on what they do/donít do you can find a reason to deny claims to everyone: if you active no claims your too risky, if you sedentary no claims you should get out and be active.  ::)


Good point, but body fat is far easier to measure than the level of dangerous activities in a person's life.  The test would also be consistent and almost completely objective.  Skiing/snowboarding, for example, would be almost impossible to measure. How often do you go? How challenging are the resorts/runs you spend your time on? Do you wear a helmet? How safe is your equipment?  Do you ever do inverted tricks?   
Body fat is more consistent.  And body fat can be easily re-measured.  

When are you going to check body fat, every six months, people get fat/skinny all the time. What if the fat guy has not health problems but the skinny guy has a history of heart desease in his family, he should pay less?Why not just deny anyone who gest injured on the slopes on the basketball court, gets ahead injury w/o helemt, drive a car w/o air bags, drinks caffinee, goes to law school and gets stressed. Its never ending, best way is let the system price out general risk in population, bigger probklem is people w/o insurance at all.

I would vote Matthies into office any day.  Sound fiscal and social decision making AND kinky porn recommendations.  Does it GET any better?

Re: Should Fat People Pay More?
« Reply #9 on: March 23, 2009, 02:34:15 PM »
If people with lower body fat get discounts, I'm all for it.