Silly nutters.
If you choose not to get insurance and then get cancer, who pays to see to it that you don't die?
Silly, silly nutters.
But if YOU CHOOSE to smoke for 20 years and get lung cancer, YOU made that lifestyle choice.
If you choose to skateboard holding on to a car and you break a leg, YOU made that choice.
Why should I pay for YOUR lifestyle choices?
Our employer based insurance offers 5 levels.
Bronze, Silver, Gold, Platinum and Diamond.
OUR portion of our share of the premium is based on 6 different health risk factors: Asthma, Tobacco use, Obesity, Cholesterol, Diabetes and the sixth I can never remember.
If you have any one of these risk factors and do not seek corrective, verifiable treatment, you are placed on the Bronze plan.
Last March I had a yearly physical.
I use an inhaler for seasonal allergies and reactions to too many cats in my mother in laws home.
The intake nurse, unbeknownst to me, recorded I had asthma.
In November, we received notification we were on the Bronze plan because I didn't seek 'treatment and counseling' for asthma by March 31.
My post appointment paperwork section marked follow up treatment was left blank. Why would I see a specialist if it wasn't indicated in my paperwork?
Anyway, long story short, we got back on the Gold plan we've had since the ACA's inception after appealing our case.
But if my husband doesn't lose 20 pounds by September, back to Bronze.
Any of these other plans, employer or exchange, monitor the insured persons risks to this extent?