If your recreational habits extend farther than time in the gym (Mandatory time in the gym) or sedate walking and bird watching (in approved safe areas), look out, that list will get longer...
“Skiers, Rock Climbers, Off-Roaders, Shooters, and all the rest: Get ready.”
If you try to buy medical or life insurance privately, items like this (not sure about these exact ones) are already taken into account. Why shouldn’t they be when it’s employer provided?
You posted:Skiers, Rock Climbers, Off-Roaders, Shooters, and all the rest: Get ready.
If your recreational habits extend farther than time in the gym (Mandatory time in the gym) or sedate walking and bird watching (in approved safe areas), look out, that list will get longer...
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Insurance of all kinds should be de-linked to employment. What started out as a benefit offered by some employers has come to be considered a right by employees. That should never have happened. Stop the group plans, give the employee the money employers now pay for insurance and let them decide whether and how much insurance to buy for themselves. Perhaps even consider requiring the purchase of insurance as we do for car insurance.
As for the amount of premiums, insurance companies use actuarial tables to determine risk and length of life applying various factors. Let the market control premiums based upon these factors. Perhaps there are insurance companies who do not feel as though smoking or obesity creates any additional risk. Smokers and the obese should get their insurance through those companies.
What is not mandatory is prohibited.