“smoking, drinking, drugs, promiscuous sex, race care driver, risky life style”.
You forgot obesity and eating habits-sugar consumption, etc-and gun ownership-there is no reason for a private company or anyone else, for that matter-to have info about your personal life when you are PAYING for their product at the quoted price-that is why there are shared risk pools and why it is called “insurance”-the government has no business in it at all...
As a workers comp case manager, I can assure you that risky and dangerous occupations must pay higher rates than cubicle and sales jobs-race car drivers already pay more for insurance, too if it is their profession-I believe charging more money based on a person’s personal life is discrimination, never mind your personal life is no one’s f’ing business in the 1st place...
I’m all for cafeteria plan insurance-buy what you want today, change it up or down tomorrow if you decide to, paying accordingly more or less-that is how competition works-you are the customer, so you shop for the best deal...
“I’m all for cafeteria plan insurance”
What I’ve done for office visits and outpatient care is to keep the benefits reasonable and to provide partial rebates.
This makes their coverage more like bulk purchasing deals than insurance, making picking and choosing both possible and fairly fair.
I’ve added coverage based on hospital co-pay days in case people need more office-based care.
You forgot old, black, women,kids, .... they all have elevated risks to costs.
I have an idea why don’t we get the government out of healthcare retirement and income redistribution. Let people keep what they make.