MONTGOMERY — Alabama, pushed to second in national obesity rankings by deep-fried Southern favorites, is cracking down on state workers who are too fat.
The state has given its 37,527 employees a year to start getting fit — or they'll pay $25 a month for insurance that otherwise is free.
Alabama will be the first state to charge overweight state workers who don't work on slimming down, while a handful of other states reward employees who adopt healthy behaviors.
Alabama already charges workers who smoke — and has seen some success in getting them to quit — but now has turned its attention to a problem that plagues many in the Deep South: obesity.
The State Employees' Insurance Board this week approved a plan to charge state workers starting in January 2010 if they don't have free health screenings.
If the screenings turn up serious problems with blood pressure, cholesterol, glucose or obesity, employees will have a year to see a doctor at no cost, enroll in a wellness program, or take steps on their own to improve their health. If they show progress in a follow-up screening, they won't be charged. But if they don't, they must pay starting in January 2011.
"We are trying to get individuals to become more aware of their health," said state worker Robert Wagstaff, who serves on the insurance board.
Not all state employees see it that way.
"It's terrible," said health department employee Chequla Motley. "Some people come into this world big."
Computer technician Tim Colley already pays $24 a month for being a smoker and doesn't like the idea of another charge.
"It's too Big Brotherish," he said.
The board will apply the obesity charge to anyone with a body mass index of 35 or higher who is not making progress. A person 5 feet 6 inches tall weighing 220 pounds, for example, would have a BMI of 35.5. A BMI of 30 is considered the threshold for obesity.
The board has not yet determined how much progress a person would have to show and is uncertain how many people might be affected because everyone could avoid the charge by working to lose weight.
But that's unlikely — government statistics show Alabamians have a big weight problem. According to the Centers for Disease Control and Prevention, 30.3 percent are now obese, ranking the state behind only Mississippi.
E-K. Daufin of Montgomery, a college professor and founder of Love Your Body, Love Yourself, which holds body acceptance workshops, said the new policy will be stressful for people like her.
"I'm big and beautiful and doing my best to keep my stress levels down so I can stay healthy," Daufin said. "That's big, not lazy, not a glutton and certainly not deserving of the pompous, poisonous disrespect served up daily to those of us with more bounce to the ounce."
A recent study suggested that about half of overweight people and nearly a third of obese people have normal blood pressure and cholesterol levels, while about a quarter of people considered to be normal weight suffer from the ills associated with obesity.
Walter Lindstrom, founder of the Obesity Law and Advocacy Center in California, said he's concerned that all overweight Alabama employees will get is advice to walk more and broil their chicken.
"The state will feel good about itself for offering something and the person of size will end up paying $300 a year for the bad luck of having a chronic disease his/her state-sponsored insurance program failed to cover in an appropriate and meaningful fashion," he said.
William Ashmore, executive director of the State Employees' Insurance Board, said the state will spend an extra $1.6 million next year on screenings and wellness programs, but should see significant long-term savings.
Ashmore said research shows someone with a body mass index of 35 to 39 generates $1,748 more in annual medical expenses than someone with a BMI less than 25, considered normal.
According to the National Conference of State Legislatures, a few states offer one-time financial incentives for pursuing healthy lifestyles. Ohio workers, for instance, get $50 for having health assessments and another $50 for following through with the advice.
Arkansas and Missouri go a step further, offering monthly discounts on premiums for employees who take health risk assessments and participate in wellness programs to reduce obesity, stress and other health problems.
Alabama's new policy is drawing no objection from the lobbying group representing state workers.
Mac McArthur, executive director of Alabama State Employees Association, said the plan is not designed to punish employees.
"It's a positive," he said.
Wow........ I can't believe you guys are complaining about paying 25.00 bucks a month .. I work for a major health insurer and pay 200.00 a month and have a 5 grand deducible. If all I had to do was take a couple tests and take better care of myself to pay 25.00 a month, I'd do it in a heartbeat. and yes I am "overweight" by about 25 lbs. Hell I'd pay the 25.00 period Thank you Alabama Taxpayers.
The state(s) should butt out of peoples personal lives as long as it is not directly affecting others. Larger people do not force others to adapt to their image, unlike the media and is perpetual pushing of the anorexic super model body that is destroying our young men and women's self images. If laws and taxes are being pushed concerning health issues such as weight, then perhaps there should be a police officer in bathrooms fining people for not washing their hands thoroughly and spreading disease, or maybe people who don't fit a certain beauty standard should be taxed until they get plastic surgery. The point is people need to decide what is best for themselves and we should be encouraging a more self reliant and responsible society and a less dependent on government social system. It all comes down to personal responsibility, which seems to be a thing of the past!
How is this NOT discriminatory? It would seem to be wrong -- categorically and constitutionally. I should note that I am not seriously overweight, have just lost 12 pounds and am increasing exercise to lower weight, cholesterol and blood pressure. So I do not come at this with a personally vested interest. I just do not understand how being charged for being overweight is any different from being charged for being ... African American or Jewish or homosexual or simply ILL with any other illness. Will they start charging HIV positive people if medication doesn't improve T-cell count? Will they start charging people who have heart attacks? No no no no no. Wrong.
I think this is discriminatory but I have to say to all of those who thinks this is OK, be careful. Every time you give up a little of your rights your employer will try to get more. Research has shown that people improve their behaviors with positive not negative reinforcement. I will say that their standard here is not that high. A BMI of 35 is considered obese. Although there are also many issues by using the BMI as your measurement.
Why not be positive and offer employees free exercise programs. Reward people. If you lose 10% of your body weight you get 1/2 day off.
I also always like to look at other countries. I find it interesting that in Europe obesity is not nearly the problem it is in the United States. They also generally get six weeks vacation. Could it be that we are all a bunch of workaholics that don't have enough time to concentrate on anything but work? This doesn't only include our health but also our families, our children, etc., etc.
My concern about this whole idea is I feel this is an infringement on individual rights. I really believe they will keep going if we let them start here.
Europe has also moved to ban much of the enhancements in food that the US still insists are safe.
I lived in Birmingham for one year between 2003 and 2003. I like to jog and walks, often on the shoulders of roads and in most places I've lived I could do this starting right outside my home. In the Birmingham&Hoover area I found many roads didn't have shoulders and dropped off near the edge of the asphalt. I was limited to driving a few mies to a ball diamond or a certain natural pathway/park to jog. It seemed to me the geography, vegetation(lotsa trees), and roadways really inhibit people from easy access to this kind of thing. They really seemed to have limited facilities for physical activity relative to the many other places I've lived. I enjoyed my time there however.
The problem with this is that you have a blanket statement that accuses the obese of causing their problem themselves by bad choices & while that may be true in alot of cases it is definatley NOT true in other cases. Any EDUCATED person in the health field knows that a variety of causes can lead to weight gain such as chemotherapy, depression medication, blood pressure medication, thyroid conditions, steroid medication etc...etc... What uneducated bonehead thought this up? I hope an overweight employee who must take cortisone because of an inherited respiratory problem sues their pants off!!!!! Stupid people who are not willing to do ANY research on their ideas should not be allowed to dictate policy to the rest of us!
Yes. MAKE them pay! Make them, so to speak, pull their own weight.
Get thin or pay in.
Bull. I take medications that cause weight gain. It's a battle for me to just maintain my weight. Plus, some people, like my brother, have diabetes and are not overweight. Is the state going to make allowances for those things? Would not doing so violate the ADA?
government or at least the state of Alabama is not discriminating against other illnesses yet.
pick on all the fat people... they are easy targets. just like the Japanese of world war 2 internment camps.
Next thing we will see is all the people who "violate" the laws sent to internment camps. Wow, bet some of the bigots here think that is a great idea - send the "fatties" away so the beautiful people don't have to see them anymore.
Nice. (NOT)
Hell yes its a good idea. I just returned from a trip all over Europe and noticed how thin and much healthier looking Europeans were, for the majority...as soon as I landed back in the States, I looked around me and could not believe how many Americans are grossly overweight! To think I used to accept this as normal! Then I see these people chowing down fast food, candy and huge sodas and it disgusts me. Americans are fat, plain and simple. Now are kids are looking fat. Its not acceptable. People who choose to only get fatter and not do anything to improve their health deserve to be charged for their health care. Plain and simple. Obesity already burdens our Health Care system, and healthy, active people who CHOOSE to stay healthy, have to pay the price. Sick of it. Shape up America. Literally.
Must be nice to be one of those people who don't have to worry about health problems that affect their ability to maintain a healtheir weight. If only the rest of us were so lucky.
I agree with IMac. People who refuse to take responsibility for their behavior should be subjected to laws and regulations that enforce healthy lifestyles with sufficient warning. The state and the taxpayer should not be be obligated to indirectly nurture a non-healthy lifestyle.
I'm with mac. Just go to a mall,bus depot, airport etc. Oh don't forget 7/11's where
they sell the largest drinks known to mankind and the women that buy them are
at least 4 ax handles wide which shows they are only concerned with weighing MORE.
Sit in a mall and watch the thigh rubbers waddle by. It's disgusting. And to top it off
they wear tight pants.Wretch!
I'm obese, but no one has the right to say I am a burden on the health care system. I have an annual pap smear and mammogram, as recommended for a woman of my age. So let's see, that's one visit per year.
A co-worker who is not in the obese range is a hypochondriac. She makes doctor's appointments 3 to 4 times per month, for everything from mild sniffles to stubbed toes. She demands x-rays and lab works, insists she needs medications and generally just wants a doctor's attention. The cost of her care impacts the rate for all of the workers in our business, not to mention the lost productivity of having her out so often. Because we are state employees, there is an absurb level of job security. They should get rid of her for missing work, but they won't for fear that she might complain.
Maybe the real solution is making hypochondriacs and attention-seekers pay for doctors' visits where it was determined that nothing was wrong or that it was so minor that an OTC med would easily take care of it.
Getoutandstayout----
I used to ride amatuer Motocross at almost the pro-level until I was 19, then I had a complete knee reconstruction only to be followed up by a compound fracture of my femur, resulting in a titanium rod from hip to knee, 8 screws and a plate. Not to mention my years of broken ribs, sternum, collarbones and arthritis I now have settling in 8 years later. My body is wrecked, but I still try and EAT healthy, thats the difference. I work out maybe 3-4 times a week, and its only for about an hour, tops. But eating decent food and not pigging out on fast food and double cheeseburgers and 40 oz. sodas, does wonders...if only more people would just choose a chicken salad, instead of a fried chicken meal with super sized fries and extra large coke. Thats all.
the entire social framework is different in other foreign countries... they walk more, don't commute so far for work, have public transportation, less fast food/take out windows, their food does not come from million acre farms and trucked thousands of miles to the market.
if you like it so much over in another country.... move there!
stop hating others for something you dislike, don't be a hater
GetOffYourHighHorse---
"Maybe the real solution is making hypochondriacs and attention-seekers pay for doctors' visits where it was determined that nothing was wrong or that it was so minor that an OTC med would easily take care of it."
Wow. I'd bet a million of John McCains dollars that the ratio of obese Americans to hypochondriac's is 500 to 1. Come on now.
I don't hate on over weight people, I just think they should do THEMSELVES a favor and try and eat better, and at least take a walk. Look at pictures of American's 50 years ago, very few were overweight. Now look around you tomorrow when on your way to work, its pretty depressing. Just eat better, at least TRY, is all I'm asking from my fellow citizens.
derf-437950-
Good one. "If you don't like it, move." Profound. God forbid we have people who only want to better their country. I guess if its cool that a third of our population is obese, and almost an equal percentage for our CHILDREN, then I should. Because thats not an America to be proud of. Ignorance is bliss right Derf?
I MAC -
Just stop. Don't even start on saying your in the same league as those of us who really have no choice. I'd trade my illness for your 'physical' problems in a heart beat. When you lose the ability to use your muscles or deal with something on a cellular level that there is no treatment for, then I'll take what you say more seriously. Until then, your clueless just like the others.
I have a sneaking suspicion that there will be exceptions to the obese rule. Just a guess but its very likely that the big whoppin' $25 fee will be waved if it is a complication from another illness or due to drugs that have to be taken.
I agree with 1 of many views and Gregor27. First and foremost this is an attack on the liberties of our freedom. I wish the "shallow" american people would look at what is going on around them. We are becoming a socialist country. I also wish the american people would be more concerned with morals than what someone looks like or what some bogus scientific study shows. Do I believe that weight has a link to health issues. Sure I do. But I don't believe that it is 100% the cause. There are so many other links to bad health. And for all you youngsters out there- guess what, one day you will sag where you didn't think you would sag and your metabolism will slow down! So don't start crying and whining saying its not fair. Secondly, as Gregor27 said BMI is a farce! He is absolutely right.
Patriot.. u r a nut! attack on liberties of our freedom? Freedom to what? suck down gigantic sodas at the theater and eat way more food in one sitting than one person needs? And this is not about those who have legitimate medical issues -- it sounds like all those who are trying to use that excuse mean that a majority of these fat Americans have some medical issue causing them to be fat and bloated. Stop with all the excuses -- Americans are the new Roman Empire... lazy, fat and waiting for the fall.
NSHAPE - what a bunch of BS you spew. Stay on the left coast with all the other beautiful, vapid, shallow people. Perhaps when the 'big one' hits; you and the rest will fall off the continent. Or, maybe if you are all so "fit" and lightweight, it will float and form an island for those who are 'perfect'.
Gag.
I agree with 1 of many views and Gregor27. First and foremost this is an attack on the liberties of our freedom. I wish the "shallow" american people would look at what is going on around them. We are becoming a socialist country. I also wish the american people would be more concerned with morals than what someone looks like or what some bogus scientific study shows. Do I believe that weight has a link to health issues. Sure I do. But I don't believe that it is 100% the cause. There are so many other links to bad health. And for all you youngsters out there- guess what, one day you will sag where you didn't think you would sag and your metabolism will slow down! So don't start crying and whining saying its not fair. Secondly, as Gregor27 said BMI is a farce! He is absolutely right.
Socialism is characterized by the idea that all the people make relatively the same and pay the same regardless of how hard they work and what they do for a living.
That is why they call it 'socialized medicine' in other countries.
Making me pay for your health care when you do not take care of yourself is socialism, and furthermore, it takes away my "freedom" to use my money the way I would like to instead, I would have to pay for your lifestyle.
And "some bogus study?" Are you kidding me? I think obesity has been studied more than any real disease in the last decade.
I thinks its great, as a former smoker, I knew it was only a matter of time before the band wagon people would have to jump on something new. I just hope the hypocrites that have blamed the smokers are now able to take the ridicule for being fat and also are now responsible for all the plagues that the smokers used to be responsible for. Check your facts people, the cost nationwide to treat overweight people is equal to the cost treating smokers. The smokers have had to pay for higher rates, so why is it that the fat people shouldn't. Is it because their are more fat people?
Hmmmm . . . I drink and smoke and according to the Doctor, i am overweight. BP is normal Cholesterol normal, no anomalies. But i went ahead i lost some weight, after six months I was sick all the time, couldn't sleep, body aches you name it; thought i was going to die! Now I am back over 300 haven't "needed" a Doctor in years. So here is the logic: pay the state 300 dollars a year or pay the doctor and personal trainer 3000. oh, i forgot to mention my wife for most of her adult life has never exceeded 120 lbs. I wounder what the State would have charged me if they had know she would be diagnosed with bone cancer?
So you are saying that you are healthier because you are over 300 pounds? Yeah, that makes sense. No one is saying that being skinny PREVENTS disease. But there is sound medical research that being obese puts you at risk for a greater amount of diseases. Maybe you should have kept the weight off and looked into why you were having problems.
What i am saying is that i am healthy in spite of being over three hundred pounds. I can still ride a bicycle or walk over ten miles, i can still work 14 hour days, i can still lift substantial amounts of weights. For someone to state that a person is unhealthy based upon there appearance or a BMI chart is what makes no sense. How can a person be punished without regard to their individual situation? Your statement "No one is saying that being skinny PREVENTS disease." if this is true then why are people trying to create a society where all people are skinny instead of healthy, again your statement "But there is sound medical research that being obese puts you at risk for a greater amount of diseases" Are they concentrating on the obesity of people or the health risks? as for your last comment "Maybe you should have kept the weight off and looked into why you were having problems." Would you continue, for years, to do something that made you sick and at risk of greater problems or would you stop doing what is causing the problem. The old joke Doctor when I do this it hurts. Well, , , then don't do that.
First of all, some people are genetically overweight. What are they going to do with these people who diet and exercise and still can't budge the extra pounds? Second, it would seem that obesity is the last handicap that employers, airlines, etc. can discriminate against. Instead of employers punishing these people for their weight issues, why don't they offer programs to help those who are severly overweight...like making weight loss surgery a viable option. Most employers are now excluding WLS even if medically necessary. So we don't offer solutions, yet we punish them for not changing...seems like a catch-22 if you ask me.
Excellent points. Employers could get rid of the fatty, sugary snack vending machines and provide fruit and veg. They could let employees out 1/2 hour early to go to the gym instead of demanding long hours (stress causes illness, too, let's remember) - or build a gym on-site, or offer a free membership at a local gym as a benefit ("join the gym, we'll take less of your pay for health insurance"). Or how about promoting 10-minute walking breaks for the entire company? (I had to fight my last employer to be able to take my state-law-allowed 10-minute breaks, and to be able to use my own break time for the activity of my choice: walking around the office park. He actually tried to argue that the break was intended for smokers! So what, you're allowed to take a break to make yourself sicker, but not to attempt the opposite?? Sorry, ranting...) They could offer more than one or two "healthy choices" meals on the cafeteria menu.
Such things are not unheard of, but are not very widespread, either.
I do have to disagree with the weight loss surgery option, though; true, that could be a valid choice for *some* people, but I believe that all the people I know who have had such surgery used it as the "easy way out" and never dealt with their psychological issues around food. All of which results in them still being a "burden" on the healthcare industry. (I.e. my aunt was recently hospitalized for weeks due to complications from elective weight loss surgery she had years ago.)
Guess we are no longer living in a free society. I thought Hitler had died and that we was not in a communistic country but it sure looks like we are either heading that way or we are there already. It is time us Americans wake up get rid of "our" politicians and not let the Presidency be bought. It is time for us to take back our country and free ourselves.
How is this communist? You are still free to eat as much garbage as you want. It's just that now, in Alabama, your fellow residents and taxpayers won't be supporting you in your quest for heart disease and diabetes.
People need to understand what communism and socialism are before they start using such big words. Maybe Alabama can use the extra money it is bringing in and put it into the school system.
True enough. Its discrimination and profiling, but not communism/socialism.
I agree, and here's my reasoning. Everyday, I watch my fellow co-workers who are 'very much' diabetic and overweight continually eat junk food in large quantities. It honestly makes me sick, AND it upsets me that I subsidizes them when THEY themselves don't care about their health. Not to sound snobby, but I eat healthy and workout every other day. So tell me again, why should I pay the same amount when studies continually suggest that lifestyle is the biggest contributing factor to your health? America is not the fattest nation in the world because of genes. We have nothing to blame but our own lifestyle.
So who should pay the higher premium if YOU are diagnosed with cancer or some other expensive disease? It could happen to anyone...not just the overweight. My 34 year old cousin died of breast cancer, and she had never weighed more than 110 lbs. her whole life, never had any pre-disposition to the disease, no family history, nothing... Disease is not selective...it can happen to anyone at anytime...including you. And that is what makes healthcare more expensive. So let's quit singling out one group of society and blaming them for all of our healthcare problems.
Thyroid? Diabetic? More often than not these are not lifestyle issues, they are genetic. Should they pay for bad genes? Will we target skinny folks with high cholesterol? High blood pressure? What about the millions of skinny hypochondriacs?
While there may be a genetic component to diabetes, it is also true that diabetes is often brought on by obesity. So you may be genetically prone to diabetes and never get it because you exercise and maintain a healthy diet. And the article states that if there is a medical reason for the obesity, there are exceptions.
Fair enough, but what about thyroids? Its not about not doing anything. I agree that more needs to be done but discrimiation backed by bad science is a bad idea. Now and forever. Bad solutions are no better than inaction. Address the issue rather than use a blanket disriminatory policy.
Again, according to the article, a thyroid condition would be an exception. This is no more discrimination to me than drivers who get speeding tickets being charged higher premiums for car insurance.
I eat healthy and workout everyday - does that make me better than you?
Wake up.
Once you reach the proper BMI, will it be hard to get off the payments, and if not easy, certainly retroactive repayment to the insured will be long in coming. Plus, suppose you are one who rollercoasters up and down the BMI scale. Sounds like just bad policy to try to regulate weight issues like this. Lots of money will be wasted.
Smokers have been arguing this very point for years. Smoking has proven to be unhealthy and add to the cost of insurance and smokers have been penalized for it. The arguement with smokers though, at least this smoker, is that once that line is crossed, then other "unhealthy" behaviors will be targeted...The line has been crossed. I have always stated that being overweight will be the next target...so, let's think...what else can be attacked?
how about skydiving? or scuba diving? both are risky..How long before your insurance company will ask you if you engage in these activities and how long will it be before "additional costs" are added to your insurance plan b/c you engage in these activites?
It is the wave of the future...too bad we let that original line get crossed to begin with.
Hey look we are not living in America anymore we moved to Japan or one of the other countries who dictates to its citizens what they can and can't do. How many more steps before we lose all our freedoms. Don't laugh honestly sit down think about what they have done lately and then laugh if you can.
Amen to that Michael
I, too, knew this would come way back when they targeted smoking and started banning smokers, taxing smokers, raising their premiums etc. EVERYONE who wasn't a smoker thought this was a great idea. They only looked at it from a standpoint of "it's an unhealthy habit, I don't like it" and they were happy that smokers were being villified for making a personal, legal choice. The real problem with all of this is the loss of freedom. It doesn't matter if you aren't a smoker, or if you aren't obese. One day they will target something that does affect you and then you will be sorry that you allowed them to chip away at our freedoms to the point that they can legislate any choices we make. I have read a lot of comments in this chain that make the same point and actually name some of the things that could happen next. Right now some companies can legally not hire you if you smoke. Next it will be ok to not hire you if you exceed a certain weight and while all of you are applauding these as wonderful things - wait a few years until they target something you do. The government has started this by targeting some habits and lifestyles that they know will garner support due to the "unpopularity" of these particular habits. You should not support this - not because you agree or disagree with obesity - but because it is an erosion of our freedom and tomorrow it will be your freedom they target.
I do not think this is a good idea nor a fair one. There are, I'm sure, plenty of people with a BMI over 35 that are healthy and possibly healthier than those with a lesser BMI. BMI measurement should not be the bench mark in determining who is healthy or not. Someone who is lean and muscular could have a high BMI. Body fat % would be a more accurate measurement. However,I would think that a more equitable solution would be to offer physicals at work first, then offer a course of action to help the employees lose weight and develop a healthier lifestyle rather than go for the punitive course of action. On site gyms in larger companies would make it more convenient for people to work out and for those working in smaller businesses could possibly be given some kind of voucher offering a savings at a local gym. Losing weight is not just easing up on the knife and fork, but rather making a complete lifestyle change. Some people can do it all on their own, but I believe most people need some guidance in getting started. The other aspect that has been overlooked is that to eat healthy is a very costly adventure. Many families are just keeping their heads above water financially and in order to survive will eat meals high in carbohydrates and fat but low in nutritional value. People are working more and more at their jobs, with no pay raises to speak off, the cost of food and fuel is off the wall and now the companies want to penalize the employees for being fat. I don't know what the answer is but being punitive is not it.
mbrickel,
All this type of government/medical policy is a red herring. Why, because they are looking at relatively short periods of time. This applies to both the current topic of discussion and the whole "smoking is costing the health system too much $" argument.
Why does nobody stop to think about how much the total cost of medical care will be over a long lifetime(say 80 to 90 years) of folks who don't succumb to heart disease or lung cancer? Actually, it could be argued that individuals that die young have a lower TOTAL cost to the system than those that live another 20 years. Why, because a significant number of those who live longer will develop debilitating conditions such as Alzheimer's disease, Parkinsons disease, rhuematoid arthritis, that require institutionalization and incur huge medical expenses for years on end.
It is a hard thing to say, but I argue that if all of a sudden all smokers quit somking and all these obese, sedentary people suddenly underwent a lifestyle revolution and got in shape and ate right, then about 20 years after they would have otherwise died, there would be so many elderly patients requiring care for diseases of the elderly that the system would go bankrupt.
We now know who controls the country the insurance industry, God gave man free will, but our country is taking it away. Thou shalt not smoke, thou shall not be fat, thou shalt not drink, thou shalt not make a decision without the okay of almighty big brother, etc. etc. When will we wake up and say enough. When will we the people take back our country
For those of you that disagree with this particular fee ..... do your homework, get the facts about smoking and being obese. Go to a doctor and get the facts. Then argue about the "health consequences". Those of us who are fortunate enough to be healthy are subsidizing smoking and obesity. I'm a disabled vet and still pay for my health insurance - and am still SUBSIDIZING those who smoke or are obese.
Personally I would like to see a 30 percent increase in health care premiums to help smokers and overweight individuals get healthy or pay the financial consequences. They are already on track to pay the health consequences.
Something just occurred to me. There's all this talk in these comments about how the healthy are subsidizing the unhealthy (in this argument, the obese)... Most health insurance plans have co-payments, deductibles, maximum coverage caps...
If someone is obese and going to the doctor more frequently, they're already paying (in addition to the insurance premium) more in co-payments, and reaching their annual maximums more quickly (after which, in a lot of cases, they'll have to pay completely out-of-pocket for their medical care).
Whereas someone who is healthier and is going to the doctor less is paying the same premium, but less in co-pays and other costs.
Just wanted to throw that out there for consideration.
I am an ex smoker subsidizing most of America since I only go to the docs for a checkup while the rest of you have rendered our antibiotics useless since you take them for colds.
Big Brother is now watching you! This new policy seems quite discriminatory. Who's to stop the state from targeting blind people, or black people, or Jewish people, or senior citizens for extra fees for insurance? Where does it stop? Once a line like this is crossed, there is no going back. AL is basically treating these people as if they were some kind of sub-group of society, rather than full-fledged American citizens. First their rights - then yours. That's how these type of measures always work out. We need to be very careful who we target for discrimination and why.
Maybe instead of charging overweight people more, insurance plans could give bonuses or discounts to folks who practice healthy lifestyle choices like keeping weight within normal limits, not smoking, wearing seat belts,etc. An incentive to live healthy may be more effective than punishing unhealthy choices.
Don't hold your breath. They want more money coming in, not going out.
This is discrimination! If they are going to charge overweight people, they need to charge those who have other major health issues!
You're in Easy Mode. If you prefer, you can use XHTML Mode instead. |