T unethical for insurance companies to charge high risk people a higher premium than low risk people

A better, but less dramatic solution is to continue an all-out assault on both alcohol abuse and production of food with too much sugar through education, public service, health providers and organizations. Forget about being able to afford to go to a gym.

This is self-inflicted risk that clearly results in higher medical costs. Not just in cancer treatments, diabetes care, etc. You want less smokers? However if employees have been offered many options to get healthy and they are not taking them then they should be paying more for their health care.

What about people with children, or families in general?

Higher insurance premiums for obese individuals?

Why should I pay for other peoples bad choices. Do you know how many people end up in the hospital and tax payers for their problems. Smokers, along with the tobacco industry, should pay to cover healthcare costs associated with their bad habit.

REPORT: Unsurance: The Ugly Truth about Unethical Business Practices in the U.S. Insurance Industry

Action that smokers and fat people take is costing Health Care. Obviously they use more health care resources than a single employee. D Is there any way to motivate self-control? As is also reflected in the other items you have selected.

Penalize them for bad choices and their habits will change. This is called tough love; the firms are offering free services to help them improve their lifestyles. Instead of penalizing smokers and obese individuals, reward the the healthy with cash.

Corporate medical syndrome, anyone? At the same time, skinny non-smokers should pay half. And all of these things involve choices. Wal-Mart, which insures more than 1 million people, is one such company.

October 31, at There has been a lot of controversy regarding insurance companies who use credit scores to screen potential customers and determine premium payments.

This practice has a particularly negative influence on minorities, senior citizens and low-income families. Recent research showing a higher incidence of risky behaviors among low-income groups suggests that socioeconomic factors, such as inadequate income or lack of education, influence lifestyle behavior - people may drink or smoke because they feel hopeless or need to manage the stress of being poor.

1. Do you consider it to be unethical for insurance companies to charge high-risk people a higher premium than low-risk people?2. Are insurance companies acting responsibly when they require customers to disclose medical 5/5(1).

a test for health reasons may not do so because they fear having the results used against them.” Questions 1.

Charging Smokers Higher Health Insurance Rates: Is it Ethical?

Do you consider it to be unethical for insurance companies to charge high-risk people a higher premium than low-risk people? 2. Jan 16,  · Higher insurance premiums for obese individuals?

Discussion in 'Pre-Medical - MD' started by 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. Is it unethical to charge a higher premium for larger individuals.

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.

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T unethical for insurance companies to charge high risk people a higher premium than low risk people
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