>>But some owners who have taken out Tesla policies complain that while they were initially offered well-priced premiums, data collected by the car on how they drive was soon used against them.
I don’t have a problem with that - drive too fast, drive more miles than others, pass cars dangerously, live in a city that has high crime and/or lots of insurance fraud - you should pay more than me.
Feel the same about health insurance - want to be a lazy slob that overeats, and smoke three packss of cigarettes a day - go for it - but you should pay the extra cost for your extra care.
People who make responsible decisions should benefit, those that don’t should feel the effect of those poor decisions.
And the ACA allows for insurance companies to charge smokers up to 50% more (or premiums that are 1.5 times higher) than non-smokers through a tobacco surcharge. - https://www.healthmarkets.com/resources/health-insurance/smoking-and-health-insurance/
The next time you sign up for health insurance, you’ll be asked whether you smoke and how often. If you smoke or vape or chew tobacco regularly, you can count on being hit with a hefty premium increase of up to 50%, either at work or if you’re buying an Affordable Care Act (ACA) Obamacare plan on the Exchange Marketplace.... Health insurers consider you a smoker, subject to a hefty premium surcharge if you used any tobacco products four or more times a week in the past six month.. Some regular smokers facing a steep premium increase may be tempted to avoid telling the truth. Don’t do it. If you’re not honest about tobacco, you risk being charged with insurance fraud. - https://healthcareinsider.com/health-insurance-smokers-42747
Exposure of contrast:
However, if you choose to engage in sodomy, then,
PrEP [Pre-Exposure Prophylaxis], the HIV prevention pill, must now be totally free under almost all insurance plans.... The rule says insurers must not charge copays, coinsurance or deductible payments for the quarterly clinic visits and lab tests required to maintain a PrEP prescription. - https://www.nbcnews.com/nbc-out/out-health-and-wellness/prep-hiv-prevention-pill-must-now-totally-free-almost-insurance-plans-rcna1470
Mar 3, 2022 — The costs can be daunting: a monthly supply of PrEP runs $60 for a generic and up to $2,000 for brand-name drugs like Truvada and Descovy. - https://kffhealthnews.org/news/article/prep-hiv-prevention-costs-covered-problems-insurance/A few states have their own drug assistance programs that cover out-of-pocket expenses for PrEP. Some will also cover the costs of doctor visits and lab tests. Requirements to qualify for these programs differ by state.
States with PrEP assistance programs are: California Colorado District of Columbia Illinois Massachusetts New York state Ohio Washington state - https://www.talktomira.com/post/how-much-is-prep-how-to-get-it-for-free-truvana-descovy
Which raises raises private insurance rates and or taxes for all who pay them.
Of 3508 sexually active, HIV‐negative MSM, 34% met indications [condition that leads to the recommendation] for PrEP. The proportion with current PrEP use was 32% among MSM meeting indications and 11% among those without indications. - https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8488229/#:~:text=Results,11%25%20among%20those%20without%20indications)
Thus sodomy is promoted and at the expense of all, and while I seek the salvation of such and all, the argument that this and all STD's and immorality do not affect others is not true. It is just a matter of degrees.
Moreover, the basis for receiving "protected status" has been expanded from such non-moral aspects as race, skin color, ethnicity, and gender, to those which choose a lifestyle based upon how they feel "oriented" (claiming to being "born that way") yet that has been responsible for over 80% of new HIV cases among men (and 66% overall)* and primarily responsible approx. for over 800,000 American deaths. And even with PreP, and partially because of it, then it is also much responsible for a greatly increased incidence of other infectious diseases, from Meningitis to Monkey pox , including Chlamydia, Gonorrhea, Hepatitis A and B, HPV, Syphilis, HIV to Meningitis and body dysmorphia and eating disorders and recently Monkey pox. Gay, bisexual, and other men who have sex with men have accounted for 83% of primary and secondary syphilis cases where sex of sex partner was known in the United States. Gay, bisexual, and other men who have sex with men have been found to be 17 times more likely to get anal cancer than heterosexual men. Besides such diseases, even when their disease is well controlled, people with HIV can develop aging-related conditions such as cardiovascular disease, certain cancers, kidney and liver disease, osteoporosis, and cognitive impairment decades ahead of their HIV-negative counterparts, and their life expectancy is significantly reduced.)
If a consensual religious practice (by those who feel a certain way, being "born again" that way) - lets say the Lord's supper resulted in such stats - despite only representing approximately 4% of the male population - and despite decades of attempting to tame it into being "safe," - at significant y taxpayer expense - then it would be treated as Covid-19 or worse.
God made man and women distinctively different yet uniquely compatible and complementary, and only joined them together in marriage - as the Lord Jesus Himself specified (Mt. 19:4–6) - and Scripture only condemns homosexual relations wherever they are manifestly dealt with.
Yet there is still room at the cross for all who will come to God in repentance and faith, and trust in the Divine Son of God sent by the Father, the risen Lord Jesus, to save them on His account, by His sinless shed blood, and thus be baptized and live for Him. Acts 10:36-47
Worth repeating. And memorizing. And restating often to those who make poor decisions or support those who do.
“drive too fast, drive more miles than others,”
But I have a problem with anyone that thinks like that. It’s no one’s business if I drive more miles than others. Only a democrat and commie would worry about that. Some people need to drive many miles to get to work or to shop. It’s called freedom.
And how fast I drive, our state gives 8 miles over the limit before ticketing on out of town roadways. I do it a lot and it’s no ones business.
This nation is rapidly becoming a commie state where people are buying into that 15 minute city where we get to live in a cracker box 15 minutes from every thing, own nothing and be happy.
You have a very valid point.
Qwerty - The way you think medical insurance should be handled would be fine were it not for the hypocrisy in how’s it’s implemented.
Penalizing riskier behavior would be ok if it’s proportional to the risk vs actual payouts and you don’t pick and choose which risky behaviors to penalize or not.
E.g., Are people who play contact sports penalized? There is plenty of money spent treating sports injuries and if you happen to be a teenager who’s paralyzed during football that’s quite a lot of expenses to incur over a long lifetime. But such participation is considered “healthy” and may actually get you a credit.
Insurance companies have the data. They can correlate payouts to certain behaviors easy.
There is also the circumstance when risk is replaced by certainty in increased payouts, e.g. being born with type I diabetes - you need insulin et al for life. Should they be charged more? or not because it’s “not their fault”?
So insurance is required to charge more for someone who MAY get sick in the future, but not allowed to charge more for those who ARE sick now because it’s “pre-exisiting”.
Again - hypocrisy. Like the social credit system in China, folks want to use insurance as punishment and only for the risky behaviors they don’t like.