No. of Recommendations: 4
I'm not convinced that charging either group is really fair or advisable.

It's easy to hold no sympathy for smokers. I think you could argue that smoking does immediate harm and offers no possible health advantages, but still, should someone who smokes rarely or only a little be faced with the same surcharge as a chain smoker? How long does someone have to quit before they get to stop paying the surcharge. If they smoke long enough, the damage is done. Should they be allowed to avoid paying a premium? Are we going to test everyone or take their word? Who pays for the test for all the non-smokers? How often would you test? . . .

Obesity is even worse. BMI is a fairly good metric for most people but is notoriously misleading for certain body types. Some studies indicate that some people are extremely healthy even when their BMI is in the obese range. Would someone who weighs in one pound into the obese range have to pay when someone who weighs one pound under not have to pay? What if you waited a week and weighed them both again getting the opposite result? Could someone crash diet just before weigh in, then binge eat for 11 months and not pay?

And what about other habits or conditions?
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