frenchconnection - 23 May 2008 05:04 PM
Tripper, to answer the question…
Sure, how about the smokers have to pay the difference of a non-smoker rate? Hmm… then we would get into the gays (I think of Lisa Lampenelli every time I write that) paying the difference of a breeder? You see, we’re going back to the original question. Is it fair to not offer someone equal share based on their behavior? Next, all Mormons are rewarded due to the fact that they don’t drink or smoke, but if you’re catholic…
I think you’re missing a point here, you can’t just say all gays pay more because gay people are statistically at higher risk from aids. The risk of aids comes from having unprotected sex with various partners, and increased further if it is anal sex. This behaviour is not specific to gay people, nor does it mean that if somebody is gay, they are having sex with multiple partners.
In the same way, I also wouldn’t support all Mormons being rewarded because mormons in general don’t smoke and drink. A better suggestion would be that all people who don’t smoke and drink are rewarded, so that includes the catholics who don’t indulge as well.
The problem is, you’re taking something viewed as an “at risk” behaviour, or in the case of mormons, healthy behaviour and attributing it specifically to one group of individuals. You should compare smokers (who don’t fit into a racial or sexual preference category, but rather are a group as diverse as the general population) with sexual risk takers, or tee-totalers
As I said above, I can see an argument for denying health coverage, or charging more/less for it based on lifestyle choices. I think it might be tough to implement, but sure, why shouldn’t somebody who doesn’t smoke or who doesn’t drink excessivly (because one unit a day is shown to be healthy) catch a break on their payments?
I don’t support simply not hiring somebody because they made a choice to smoke, or to have unprotected sex with multiple partners, or doesn’t ride the motorcycle with a helmet on or whatever the excuse might be, I think that idea is stupid which is what I’ve been consistantly saying. So in summary, I think the folks in the article in your OP are in the wrong.
You ask the question above: “Is it fair to not offer someone equal share based on their behavior?”
Insurance wise I think it is. I think it’s fair that if I maintain a healthy weight / blood pressure / cholesteral etc. and make regular gym visits* I should get a break on my insurance payments compared to somebody who eats badly, doesn’t exercise, smokes or is obese.
I don’t think those things should be a factor in which of us gets a job though, unless any of those factors would prevent us from doing the job if hired, or unless as LD pointed out in the first page, they could show some kind of evidence that proved smokers die young, requiring replacements and the associated cost at a higher rate than non-smokers. (which so far, I don’t see any suggestion that they are making this argument)
*My insurance already does give me a break for making regular gym visits.