Quoted from sven:Should we have higher premiums for obese?
Yes.
Quoted from sven:Or people who eat unhealthy
Impossible to prove by an insurance company. But I'm fine with linking premiums to health markers like a1c, bad cholesterol changes, blood pressure, etc.
Quoted from sven:or smoke
Yes.
Quoted from sven:go to concerts (hearing aids aren't free)
Impossible to prove by an insurance company. Person can attend and wear proper hearing protection.
Quoted from sven:or drink
Difficult to prove by an insurance company.
It's called "health insurance," not "sick insurance" or "lifestyle disease insurance." It's right in the name. If you strive to be healthy, then you should get rewarded with good premiums. If you partake in risky behavior, then the insurance company should be hedging against that risk and adjust your premiums accordingly. It's literally the definition of actuarial science. Every other insurance industry operates this way. I cannot for the life of me understand how health care insurance got this fucked up to begin with. I'm guessing it has something to do with lobbying, legislation, money, or all 3.