Posted on 07/04/2013 2:23:02 PM PDT by Jim Robinson
I’m sure the Obama people are keeping a close eye (and ear!) on self-sufficient conservatives like you. You’re definitely not their kind of folks.
Hang in there.
I’m waiting for them to bring it on.
not in most states that have unisex rates...here is a$$backwards NY they don’t....
it used to be people were charged extra for health insurance if they re overweight and smoked then they went to unisex rates so as to not “discriminate”...
“.the unisex rates i am referring to means a 21YO male pays the same premium as a 25YO female who pays the same premium as a 50YO male who pays the same premium as a 62YO female, regardless of ob obesity, smoking habits or all/any other voluntary activities which cause an increase in health impairment and more health/medicinal costs....”
For what kind of policy? You sure like to provide bits of information and then try to call people ignorant for not being able to read your mind and figure out the type of policy you are referencing.
The fact is that many options would (previosly did) exist in a free market. There are some that are for catastrophic coverage only and they do cost the same for a 21 year old male smoker as they do for a 25 year old female athlete. However, they should cost the same as the risks are the same for each of them with regards for the need for catastrophic coverage. Then each of these people are responsible for their health maintenance costs, such as doctor appts, cold remedies, etc.
However, the free market also had risk measurements for the more inclusive policies. Smokers, obese people, diabetics, pre-existing conditions, and on and on all had to pay more for the more inclusive policies. This was already in the business model, but for some reason you seem to think that the same insurers that have an expertise to calculate life insurance rates were somehow not doing the same for health insurance.
What you are supporting is the Obamacare dictating to Insurance companies that they must charge more for whomever the government dictates should be targeted. It is not a risk based calculation leading to the additional charges, that already existed in the free market. Instead, those persons have been demonized so it is easy to get the sheeple to agree with targeting those persons that are out of favor.
The immediate next step under dictates such as this is quite easy to forecast. Those that do not adhere to the government dictates, for example those that do not lose weight to adhere to the BMI calculation or those that refuse to quit smoking, will be denied health care services. Which will result in deaths.
You support this government targeting, which is quite frankly the seeds of evil.
If what you are trying to state is that you are supportive of how the free market had previously handled these issues, then we are in agreement. However, you are failing to properly communicate such an opinion.
“the article is about obamacare requiring INSURANCE COMPANIES to tackle obesity- not obese people being responsible for themselves...that’s called gov’t intrusion, troll...”
Yes, it is government intrusion that you supported in your original approach. Let’s be more precise, you supported the government targeting of the currently unfavored segment of citizens and dictating how they should be treated.
“your comment about the definition of unisex rates in another post displays your utter ignorance about insurance....”
I admit that I took a guess as to the type of policy you were trying to describe. However, you have still failed to be specific, so I am fine with being ignorant of what you have failed to communicate.
“for life insurance if you are overweight you pay an extra premium (to make it simple for you that means you pay more for life insurance than someone who isn’t obese)...”
This was already happening for the more inclusive policies in the free market. You assume that the same companies in the life insurance business were somehow not smart enough to transition those risk calculations to the health insurance business. Obamacare eliminated their ability to run the health insurance business model accordingly and now they government gets to target those that they demonize. You clearly are supportive of this.
“hence if you are obese you should have to pay extra for your health insurance; people who are healthy and not overweight should not have their premiums rise to offset the cost of health insurance companies being forced to tackle obesity of the fatty’s as obamacare is requiring....”
That depends on the services included in the product being bought. If it is catastrophic only, then the risks are equalized and the costs will be equalized. However, the more services that are included in the product offering, then the risks become a larger and larger disparity in the costs, to the point of not offering coverage for pre-existing conditions. Obamacare eliminated the risk calculations by the insurance companies, precisely so that they could target certain people and favor others. You not only accept that, you are defending it.
“its a simple concept most reasonable people understand- pity you don’t...”
It would be if it were still free market based. It isn’t and you have fallen for the trap. Precisely what I stated in my first reply to you.
“NY”
Aha, now we get it. You have been so engrained in collectivism that it is easy for you to accept that Obamacare is just fixing a problem caused by the insurance companies who were already doing such risk calculations until they were dictated to not do so by government.
You celebrate further government intrusion, when you should be fighting to remove the intrusion that created the problem.
Well obviously I don’t live in such a state, thus am unfamiliar with the policies of which you speak.
We are all built different due to our genetics. Nearly all the females on my mom's side have large muscle build, medium boned, half of us are truly over weight, the other half skinny, and we are all over 50 some going into their 70’s.
you get dumber with every post.....demanding obese people pay extra for health insurance is not collectivism nor support of obamacare- its called personal responsibility; something trolls have no idea about...hence your responses...
I’m reposting my other response here. This is where the issue belongs, regardless of your attempt to conflate the different threads.
Clearly you consider a government dictate to be the same as personal responsibility. In addition, you have no interest in describing the specific insurance policies that you reference as a “unisex rate.”
I clarified for you that the free market used to provide for different types of policies that did take into account the risks of certain behavours, but that those policies are being eliminated with Obamacare. The intention of that elimination is to train the populace that the government can then target whomever they deem needs to be targeted. You are in agreement that it is appropriate for the government to do that targeting.
I have stated that I prefer the free market approach. Clearly, that is as disconnected to DU as is possible. I can’t force you to think, but it would be nice if you would be willing to do so on your own.
its pretty simple really- you’re confused and can’t focus...i did specify what unisex rates are and gave an example; if you can’t comprehend the example that’s your issue....
more to the point, in reference to an article claiming obamacare will force insurance companies to tackle obesity i responded that obese people should pay more for their health insurance since they are at risk to have more claims; a simple concept anyone with two working brain cells can understand...
your pathetic response was this was somehow an acceptance of obamacare and gov’t mandates....its as credible as a Nazi accusing others of Jew hating...
then again you’ve told everyone in several posts you’ve already given up, so how can you be expected to think for yourself as opposed to offering knee-jerk nonsense???
“i did specify what unisex rates are and gave an example;”
I asked for an example of the type of policy you were referencing. You provided an example of a rate.
“..in reference to an article claiming obamacare will force insurance companies to tackle obesity i responded that obese people should pay more for their health insurance”
Therefore you are supporting government dictation of behaviour and you are taking it a step further in defending government dictatorship of behaviour.
“your pathetic response was this was somehow an acceptance of obamacare and gov’t mandates....”
You have offered support of the government force that was pointed article and you have spent a lot of effort to defend that support. Supporting the premise is not just acceptance of Obamacare, it is support of the use of government to dictate behaviours.
I even offered you an opportunity to backtrack when I stated that we are in agreement that this should be handled by the free market and that risk factors should be taken into account by private insurance companies. You refused to take that olive branch.
“its as credible as a Nazi accusing others of Jew hating...”
I’ll say it again, you are a nasty piece of work that needs to re-evaluate your moniker.
“then again you’ve told everyone in several posts you’ve already given up, so how can you be expected to think for yourself as opposed to offering knee-jerk nonsense???”
The fact is that Obamacare is the law of the land, your physical being is now owned by the feds and you even support the federal mandate to private companies to address individual behaviour. How can one see beyond tyranny when even FReepers support such things.
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