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Hekate

(96,672 posts)

22. Cigarette smokers already pay an insurance surcharge for their future likelihood of disease...

Reply to Algernon Moncrieff (Original post)

Wed Aug 25, 2021, 10:22 PM

Aug 2021

Tobacco-related diseases are very well-known — predictable and preventable. Insurance companies are hedging against that future — not denying coverage, not denying care, just charging more.

Uncle Joe keeps offering lollipops and hugs — the carrot. Here comes the stick from Big Business in all its forms.

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Should employer-based health plans now jack up rates on the unvaccinated? [View all] Algernon Moncrieff Aug 2021 OP

I agree but... JT45242 Aug 2021 #1

It isn't that it is a pre-existing condition - Ms. Toad Aug 2021 #9

Being unvaccinated is not a health condition. ShazzieB Aug 2021 #36

It doesn't matter what you believe - Ms. Toad Aug 2021 #40

Agree. But that sets precedent for charging people more for weight, alcohol, not exercising, etc. Hoyt Aug 2021 #2

Yes, as long as it doesn't lead to a slippery slope frazzled Aug 2021 #3

Employer-based health plans governed by the ACA can impose surcharges Ocelot II Aug 2021 #4

Agreed. Ms. Toad Aug 2021 #8

LOLOL! ShazzieB Aug 2021 #37

Health insurance should have a "points" system like auto insurance Klaralven Aug 2021 #5

No it's a slippery and steep slope (n/t) luv2fly Aug 2021 #6

It's a slope that banned from existing fescuerescue Aug 2021 #25

Under the PPACA, employers cannot do that. Ms. Toad Aug 2021 #7

Is the choice not to receive a vaccine a condition? Algernon Moncrieff Aug 2021 #10

In general, there are ony 5 reasons for disparate charges Ms. Toad Aug 2021 #12

refusing a vaccination is in the same boat as smoking.... groundloop Aug 2021 #27

The category is smoking, not "personal choice to put your own well being at risk" Ms. Toad Aug 2021 #28

Won't get far in court fescuerescue Aug 2021 #15

Why, after battling for years sarisataka Aug 2021 #11

Exactly. This is exactly one of the changes to ACA that the Republicans tried to pass fescuerescue Aug 2021 #14

+1 demmiblue Aug 2021 #18

+1 leftstreet Aug 2021 #26

They can't. That is illegal fescuerescue Aug 2021 #13

I hear what you are saying. Here is my thought. Algernon Moncrieff Aug 2021 #16

Any law can be changed fescuerescue Aug 2021 #24

Being unvaccinated is not a preexisting condition Algernon Moncrieff Aug 2021 #38

"pre-existing condition" is just a colloquial shorthand fescuerescue Aug 2021 #42

Do you have anything to back it up? LiberalFighter Aug 2021 #21

Yes. It's all here. fescuerescue Aug 2021 #23

I agree with the idea in principle, but what would follow would be horrible. Coventina Aug 2021 #17

They already do for some. LiberalFighter Aug 2021 #20

Vaccinated should not pay for the stupidity of others. LiberalFighter Aug 2021 #19

Cigarette smokers already pay an insurance surcharge for their future likelihood of disease... Hekate Aug 2021 #22

Unvaccinated people will cost insurance companies more ripcord Aug 2021 #29

It's not like asking people to give up fritos and cupcakes for life Algernon Moncrieff Aug 2021 #39

Mine does for smokers UTUSN Aug 2021 #30

No but conditional on giving them a choice between the ACA, or financial ruin. denbot Aug 2021 #31

Not an issue at my company. GulfCoast66 Aug 2021 #32

Good company you work for. Elessar Zappa Aug 2021 #33

Voted yes, my job is making everybody anyways... RANDYWILDMAN Aug 2021 #34

Message auto-removed Name removed Aug 2021 #35

I'm generally against any moves to make healthcare less accessible Sapient Donkey Aug 2021 #41

I don't think they're allowed to based on ACA law ecstatic Aug 2021 #43