He specifically singles out fat people, comparing obesity to smoking to argue that obese people have shown poor personal responsibility and therefore should be required to pay more into a system. People should pay for their health risks those in favor of policies that redistribute the costs of voluntary health risks base their arguments on a different view of justice they believe that all people should be held responsible for the foreseeable consequences of their voluntary actions therefore, people who voluntarily engage in risky.
Today, the great american public-health problem is indeed obesity the statistics have become rote, but consider that people in their 50s are about 20 pounds heavier on average than 50-somethings. Best answer: in most states people that smoke or are obese often do pay a higher premium with individual plans also, in those states people that have a bmi over 30 will generally pay a higher premium and if their bmi is over 35 or so (depending upon the company) they will be declined.
Should obese people have to pay more for health insurance it makes sense because, they tend to have more complications down the road, ie cardiovascular disease, diabetes, etc since insurance is about risk, people who smoke have to pay more for life insurance and people who live in high density neighborhoods pay more for auto insurance. Many point to the higher health care costs associated with smoking or obesity some even describe the charges and discounts as a more stick, less carrot approach to get workers to take more.
Obesity prevention may be an important and cost-effective way of improving public health, but it is not a cure for increasing health expenditures the actual numbers for lifetime from 20 years old. This commentary sets the article by dubois on the ethical justification for charging higher insurance premiums for people with unhealthy lifestyles in the context of us health care reform. This time next year, health insurers will be able to raise premiums on people who smoke it's one of the changes occurring under the health care reform law the argument is that smokers have more. In america, people get health insurance either from private insurers or the government - medicare for seniors and medicaid for the poor for those with private insurance should they pay higher. No they should not have higher premiums obese people should not have higher health insurance premiums than others i realize that they have a bigger risk of health problems but that is not a good enough reason to charge them more doing so would be ridiculously stupid in my opinion you could argue that it is discrimination as well.
Charging fat people higher premiums might violate the americans with disabilities act, for example, which protects the health benefits of anyone with an impairment caused by a. The obese can pay for their lifestyles people that choose to be obese should have to pay for their own health care of course the people who are obese that choose not to be that way would be left alone, but to the people that choose to eat like pigs they can pay for themselves americans shouldn't have to pay taxes for people that choose to be costly. Given that there will never be enough money to pay for all possible medical procedures for everyone (the us already pays 2-3 times the percentage of its gross national product for health care.
Both health and life insurance companies are allowed to charge obese people higher (sometimes much higher) premiums than non-obese people in otherwise similar health. Obese people should not pay any more for insurance than people who do not have weight problems i believe that our society is stuck in a quagmire of blame for some of us, leaving people behind, or placing blame on them because they are different or struggling with physical, emotional, and/or other.