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|Subject: Re: Lower Health Premiums in NY||Date: 7/18/2013 1:14 AM|
|Author: rharmelink||Number: 18487 of 19515|
I have no idea what you are talking about. Do you?
I'm talking about "rate suckers". For auto, it's defined as "bad drivers" who make auto insurance more expensive for everyone else.
Some have estimated that 70-90% of our health care costs are due to life style choices -- in a single-payer system, they would be the "rate suckers" that make health insurance more expensive for everyone else. Things like:
-- Improper Diet
-- Lack of Exercise
-- Improper/excessive recreational drug use
-- Unsafe sex
-- Not using seat belts or motorcycle helmets
One advantage to a risk-based insurance plan is that policy holders contribute premiums to the group at the same rate that they contribute risk to the group.
Why should those that live a low risk lifestyle subsidize those that CHOOSE to live a high risk lifestyle?
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