Obese people drop dead of heart attacks in their thirties and forties while 9% body fat whiners live for years in old folks homes and hospitals. If you want cheaper insurance, there are group plans that you have to qualify for by taking physicals every year and maintaining certain health requirements. Shop around online before you come in here complaining about how the fat people are running up everyone's premiums.
Oh, I've shopped around. But not everyone has the luxury of shopping around, at least outside of shopping around for a new employer.
I work in a clinical setting. Let's just say that it's not unsual for me to see, oh, a patient who has had a quintuple bypass surgery, angioplasty on several occasions, who comes strolling into our office having with a blood pressure of 195/100. Do you think this patient is checking his blood sugar (a diabetic, of coure) or blood pressure? Well, maybe once a week if he gets around to it. Do you really think he's paying his fair share insurance premiums? Oh yeah, he had 2 donuts that morning for breakfast. And came in with a blood sugar of 220.
I see dozens of patients every day. About half of them are diabetics. I would say 2/3 are overweight.
This is an epidemic. No mistake about it. And warfarin, all those statins, etc... aren't cheap. Think is, with technology these days, these patients are living to be 65+ years old. Some die in their 50s. Very few in their 30s.
Take a look at the mile long list of medications these patients are taking, even in their early 40s, and tell me your premiums aren't going up as a result.