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How do you feel about insurance premiums being higher for people who have health issues? A high BMI? Alabama and Indiana have introduced a ‘fat tax’ for employees... What do you think?

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    • 0 votes vote up vote up

      Ms-kay wrote Feb 4, 2009
    • That doesn't sound like good politics...how is higher premiums helping  them with their health issues?  

      The fat tax sounds discriminatory.  

      And do they really believe that the fat tax is going to keep people from eating what they want?




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    • 0 votes vote up vote up

      Anonymous wrote Feb 4, 2009
    • I thought about this all night last night.  I think it is unfair.  So, what’s next?  Are they gonna tax us when we have bigger boobs, longer hair, extra heights or bigger butts?  I can see health insurance company due to risk may potentially charge high premium to those who seems unhealthy.  Insurance is all about risk underwriting.  

      Fat Tax or Thin Tax .. just not right.  Period.




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    • 0 votes vote up vote up

      Dee Dee Shaw wrote Feb 4, 2009
    • Annie,
      I actually think they are flying by the seat of their pants so to speak. I personally think they should not only use bio-markers but some type of fitness measurements (treadmill test maybe?) I have issues with using BMI because, according to that method, Arnold Swartzenager (sp?) is obese... as are almost all body builders. In general it is a good tool to measure fat to lean ratio, but there are always exceptions. For my mother's insurance they looked at cholesterol, triglycerides, blood pressure, blood sugar, etc. My issue with that is the fact that 1)drug companies have changed the definitions of healthy by tweaking those numbers, and 2)many people are controlling those numbers with drugs... but there is no indication that doing that makes them more healthy or less of a health risk.
      I still think the answer lies in promoting health through education, and corporate motivation to provide healthy options and remove unhealthy ones. Only in the US do you find so much sweetened with high fructose corn syrup. I think that one ingredient is the major contributor for the epedimic rise in diabetes (along with missing nutrients that are the gate keepers of the cells. Without them, we end up with all sort of problems, insulin resistance being one of many.)
      All I know is if we continue to do what we are doing, the end result is going to be total economic collapse. Health care costs trump coffee expenses for Starbucks, steel costs for GM, and are the number one concern for all of corporate America. Hoping for a govt funded ‘health’ care system is looking in the wrong direction for a saviour IMO. What we need to be doing is looking at countries who have great health, and learn from them. They pursue wellness. The US is ranked 70 something -th (74th? I think) out of 191 countries. How sad is that?! We have top notch trauma care, but as far as health goes, we stink!




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    • 0 votes vote up vote up

      Saylor101 wrote Feb 4, 2009
    • I’m sorry guys - there is A LOT of gray area here - overweight from neglect or uncontrollable health issue?  

      When I was dealing with insurance there were policies that were less for non-smokers - - I sort of understand that....

      The long hair comment is silly - BOOBS - - well if you bought em and they have caused health issues - - I don’t know!!  If they are yours and just HUGE well that has health issues of its own - and NOT your fault!!  

      GRAY GRAY GRAY

      (what is my problem with repeating words today!!)?




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    • 0 votes vote up vote up

      Mztracy wrote Feb 4, 2009
    • This is a big BS in my opinion! When the overweight people on their end and those with heatlh issues do this, then talk. I guarantee they  will not walk the walk!




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    • 0 votes vote up vote up

      Cassandra Burghdorf wrote Feb 4, 2009
    • I think the insurance should offer to help with gym membership and then if it is used, give a discount on the premium.  Just a thought—some preventive inscentive.




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    • 0 votes vote up vote up

      Mztracy wrote Feb 4, 2009
    • Sadly if this was a perfect world there would be no addictions that help to cause some health issues. I smoked for 17 plus years, it is NOT easy to quit for all. Same as someone with weight issues, it is NOT easy to stop eating for all people.

      This is easy for those with no health issues that blame those who have them as being voluntary. Most people do not want to be overweight, smoke, or be ill.

      This is a very touchy subject.  

      We as a people have all the diet supplements, pills, drinks, etc that help for weight problems. If you use them for the rest of your life! It's all about profit! The only way to control weight is a healthy diet, not to diet.  

      The only way to stop smokng is when you are ready and to do it for yourself. And even then, is is not easy.

      As for me, I did not ask for or bring on my ms by eating wrong or pollting my body. I was predisposed for it. I was once healthy, very healthy. I am 6‘, i weighed 150 and worked and went to college.

      I know people that wrecked their bodies and they are healthy.

      So, who determines this?? Very slippery slope here!




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    • 0 votes vote up vote up

      Dee Dee Shaw wrote Feb 4, 2009
    • Tracy,
      I hear ya! The sad reality is that insurance is becoming increasingly unaffordable by people with real health issues who really need it (and would go bankrupt without it). I don’t think this is the ‘right’ answer. I also know that something has to change.
      My family does not currently have health insurance because we can’t justify the expense. I remember not to many years ago it was affordable, but the premiums increase yearly by as much as 20% or more. Somehow, someway, we have to do something different. The statistics of people who are now on maintenance drugs (for bp, cholesterol, type II diabetes, etc) is staggering, and the predictions of what the future holds are even worse. I can’t see our current system supporting this type of trend for very long.

      I like Cassy’s idea. Alot of companies are doing just that, or providing free gyms onsite. Others have wellness plans. The company my husband works for in Colorado has some interesting wellness options (including matching spending for certain things related to wellness.)




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    • 0 votes vote up vote up

      Lilibet wrote Feb 4, 2009
    • Every time anyone brings up health insurance my blood pressure goes up. (Uh oh, my premiums might go up now) Seriously, a fat tax will do nothing. It is a preventative tax. They may be overweight (and who is judging the cut off between just fine and overweight?), but they may not have any symptoms, diseases, etc. yet. So, it is discriminatory because they are assuming that in the future they will have to pay more for that person.

      I have an illness where I wouldn’t mind a bit higher premiums because that would mean I actually get health insurance. I don’t qualify for any normal policies. The other thing is most people forget insurance is to help pay for catastrophes that cost more than you can pay. It wasn’t meant for every scrape and bruise. I guess I get really angry because not only is the insurance company picking & choosing what they pay for, but we as citizens are making higher premiums by using the benefits not the way they were intended. So, people like me get priced out of the market or can’t even get insurance.

      Sorry for the soap box. I think I got a little off topic. happy




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    • 0 votes vote up vote up

      Jomi wrote Feb 4, 2009
    • It makes me angry.  I used to keep my weight around 95-100.  I worked out conatantly.
      Since having ms I’m not able to work out. I can’t do weights between the fatigue issue and a chronic pain issue.
      My husband said they are making a higher tax on things that could make you fat such as regular soda. People with ms can’t use aspartame, etc..
      A few months ago I needed to have IV Solumedrol for an ms flare up.  The insurance company would not pay for a nurse to come to my house..which they used to do.  But they PAID for me to go to the ms clinic for them which cost twice as much.  Can anyone figure that one out?




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    • 0 votes vote up vote up

      Tuliplady wrote Feb 4, 2009
    • The whole health insurance issue just makes my blood boil.  The whole system is so broken it’s unbelievable.   A fat tax is certainly no answer!

      My husband is terribly overweight due to health issues.  Goodness knows, he doesn’t like being that way.  Raising his insurance premiums isn’t going to solve anything.  And he can never ever change jobs or we’d be without insurance because there’s not an insurance company in the world that would cover him again if we lost what coverage we have.




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    • 0 votes vote up vote up

      Holdonloosely wrote Feb 4, 2009
    • In some cities, they outlawed transfat in food made and sold. I think that is totally stupid! Who are they to control what I eat. McDonald’s fries are not the same people! And I only ate there once a year estatic  

      And what does BMI have to do with health issues. I’m not saying that being overweight surely won’t catch up to you, cause it will. But will they tax you because your parents are fat and they figure, sooner or later you will be too? Skinny people aren’t all healthy. Will they tax you because you are gay and they stupidly believe you are a higher risk for AIDS? Once you let them start this, it doesn’t stop. If you‘re mom had breast cancer, will they even write you a policy? Should we all go to a foreign country and come over here for free health care? Foreigners get free health care n many different situations, but that’s nothing story.  

      Look, some of us are healthy, some of us are not! The premiums balance out. If I have great health, should I say that someone’s child, that the parents are trying to save from cancer or something else, don’t deserve care? Or the parents, who probably are struggling already, should pay more?

      Last thought! The government that is making these rules, have the best health insurance in the world. They have told you so when they are trying to make points with us as they run for election. WE pay these benefits! Most of them, if not all probably get these paid benefits after they leave office. Who will pay for their fat tax? US! Maybe, if it really is a cost issue and not just the fat cats wanting more of a profit (which is what I think)... let’s tax the companies that make these food. Like we tax cigarettes and beer, etc. Maybe that would push them to make better food, or stop people from buying the bad stuff.




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