I think it is still a stupid nanny idea-I work with overweight people who are healthy and have plenty of stamina. Nature didn’t intend for all of us to be ectomorphs. I can see charging really obese people more for insurance, but not healthy people who are overweight-do they at least offer gym or weight watchers memberships?
I agree that BMI is not a very good tool for all and is skewed so most people are overweight.
That said, this arose a few years ago as a cost saving measure. Health insurance is about group risk. There is no obligation for the company to insure anyone, right now anyway.
And there is no magic “insurance company” money to pay for things. Its self insurance. The company and us pay for everything.
Thats essentially true for all employers, self insured or not.
Just to be clear, they use 31 and over as “obese” not the govt 29. So there is some allowance for govt fantasy.
As i understand it, once Obamacare starts there will no longer be true grouping. Companies must take all comers. Were all in one big risk group now.