Yes, give people choices.
Emergency Medicine for max 3 days and only that . . . should be one choice?
Premium of every Adult covered should be adjusted for lifestyle, smoking, drinking, drugs, promiscuous sex, race care driver, risky life style.
“Premium of every Adult covered should be adjusted for lifestyle, smoking, drinking, drugs, promiscuous sex, race care driver, risky life style.”
Smokers and drinkers are already paying sufficient adjustments via excise taxation prior to about age 60.
As for the race car driver, the auto insurance company often is making the essential adjustment.
Adjusting for illegal drugs and promiscuous sex is not practical.
Many HIV drugs are or soon will be off-patent.
I have proposed unhealthy food taxes, but no one here seems to want them but me.
“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...