Are we going to ask them to shell out for my extra expenses? Guess who has to indirectly pick up that tab. People have known for years that smoking causes a variety of health problems and, especially if these companies are offering programs to assist in quitting, there is no reason nowadays to still be partaking. Will they ask those with heart attacks, strokes, cancer, in the family history to pay more also, maybe they should ask those who come up with these senseless ideas to pay more just for being stupid. How about smokers and fat people pay for their own health care? This cookie is set by GDPR Cookie Consent plugin. Australia: We saved our average customer $320* on their average annual premium! A solid majority 59 percent say that smokers should pay more for health insurance than nonsmokers. Hell no. We really need a complete national group single payer medical coverage for all. Or somewhat young in age and more prone to colds than older folks? Healthy people should pay less. Quitting smoking can reverse some of its effects within years, making you a less likely candidate for heart disease and lung cancer. Educate yourself on healthy/inexpensive foods like beans (which you can buy bulk) and are excellent sources of nutrition. And let's be clear here, it is overwhelmingly statistically supported that smokers and the overweight suffer health issues and require more money. Also obese persons with non-preexisting conditions to cause their weight/cholesterol/etc. There should also be discounts for people who live an active life style, and take care of themselves in comparison to their age group! Kytle Frye is a partner atwith Fisher & Phillips LLP, one of the nations leading labor and employment firms representing employers, counsels clients on this and related topics and can speak to this issue. 88% of smokers began smoking before age 18. (post continues after gallery.). After all they are more likely to have higher health care costs! we should just make them pay more for their HEALTH care if they end up fat or smoke a pack This is just another way for these insurance companies to FATTEN there wallets. A company would spend more than it'd save by attempting such differentiation. Why should we pay pay for others' poor choices? Heres where the tobacco surcharge runs into problems. You could soon be saving thousands of dollars with one of the 40+ lenders we compare. Your nonsmoking colleague might pay nothing. I don't say this to punish smokers, I say it to get tobacco off the market so it will not impact the lives of today's children. Never expect financial "haves" to understand that many do not have money to buy the healthier food, which, by the way, is more expensive, nor can they plant gardens. Generally speaking, healthcare costs are higher for smokers, and they often have higher rates of absences. The under-25s are least likely to support the principle of solidarity in healthcare, with almost half saying leading an unhealthy lifestyle is grounds for higher health insurance premiums. People smoke and never get cancer, people who do not smoke and have cancer, over weight people may be due to other medical problems and they already have problems trying to get insurance. Get fat on steroids from their asthama? This is simply the legitimizing, and establishing of a class system here in the U.S. via the Health Care system! Wal-Mart, which insures more than 1 million people, is one such company. I'm one who believes those who are unhealthy should pay more. Edit: Striking out last sentence because I'm an idiot. Please see our FSG. Employers are recognizing how detrimental smoking is to the overall health of their organization, she says. A natural response . However, before employers can levy the surcharge they must give smokers an opportunity to qualify for nonsmoker rates by offering a way for them to quit. Not because I think your wrong, but because it doesn't make sense to me. Analytical cookies are used to understand how visitors interact with the website. Health insurance companies are beginning to act more and more like banks. You can change your choices at any time by visiting your privacy controls. Translation: people who don't quit smoking, lose weight or lower their cholesterol. At some point it would become like auto insurance where your rates go up every time you make a claim. I agree with everything except for your last sentence. It doesn't matter how long or short they live. Then why shouldn't healthcare be based on fitness level? Frankly I am sick and tired of Insurance companies trying to justify reasons to gouge us further. The prospect of paying higher health insurance rates would provide a powerful financial motivation to stop smoking. Calories in minus calories burned should equal zero. Starting next year, Wal-Mart will charge employees who smoke higher premiums, along with offering a free program to help them quit. A sign promotes COVID-19 vaccines at Lake Charles Memorial Hospital on August 10, 2021 in Lake Charles . The wellness program must satisfy the following four requirements: Another potential legal problem arises from the Americans with Disabilities Acts prohibition against discriminating in benefits with respect to qualified individuals with disabilities. Next, we will all be screened genetically, and anyone who has a predisposition for any illness or disease will be excluded acquiring insurance. The financial products compared on this website do not necessarily compare all features that may be relevant to you. How many that do smoke get a physical on a yearl basis? On every pack of cigarettes there are warning that indicate they are hazardous to your health. I believe in following the Doctors instructions to the letter. That is why we are $13 trillion in debt nobody wants to be responsible. I need sick insurance regardless if I deserved it or was born with a genetic flaw. Instead, outlaw tobacco and educate everyone on better diets. Drone Boats: Inside the U.S. Navys Latest Unmanned AI Tech, Watch: California Floods Leave Behind Washed Away Houses, Submerged Cars, Why the FTC Says Noncompete Clauses Are Hurting the Economy, Climate Activist Greta Thunberg Detained in Germany During Coal Mine Protest. HORRIBLE! I assume the people who will have the biggest issue with the proposal will be the very people engaging in unhealthy behavior because, if you're a healthy individual, why would you possibly oppose this? The Commonwealth Fund expects more states will customize their approach to tobacco rating as more evidence about the impact of tobacco surcharges emerges. If they quit smoking they save at least the $2190 and their rates will go down, so explain to me why this is bad. Why would they stop there? Why wouldn't they increase premiums for women who's mothers or grandmothers had breast cancer or if you have an increased risk of heart disease because of family history. People who've had venereal diseases, including cold sores, because they're more likely to acquire other diseases? Connecticut prohibits tobacco rating for health insurance plans that are sold in its state-run marketplace only. ), and that they are concerned with expense. Let's return to the days when we went to the doctor when we could afford it. As a reformed Republican, its not fair. As the fight against tobacco continues to evolve, so should our policy ideas. In addition, some states have laws protecting employees who engage in legal off-duty conduct such as smoking. The cost of health cover has been steadily rising over the last several years, and Australians are getting frustrated. While the intent behind his call is well-intended, it is based on a flawed premise. Here's my question to you: Should smokers and fat people pay more for health care? Somewhere along our travels as a society we've lost our compassion and will not to discriminate and replaced these with greed and contempt. We have been paying more for our health care for several years because we smoke. The benchmark for all insurance underwriting is computed by an exposure to risk formula. Should fat people and smokers pay more for healthcare insurance? Penalize them for bad choices and their habits will change. If they choose to continue these very destructive practices they have no one to blame but them selves! Insurance comp. Smokers do not currently pay more for health insurance premiums, due to Australia's community-rated health insurance system. Responsible people who exercise and try to enhance their health should have greatly discounted rates. You bet, Jack. A person who has been smoking two packs a day for 30 years has a significantly greater chance of developing lung cancer than someone who has been smoking only a few cigarettes a week for a few years. Jack, Smokers,alcohol comsumers(including bear) and proliflic soda drinkers must pay more because they can quit but they will not, when it comes to fat people I think it is more of a health issue more than anything else but I am for making it mandatroy for enrolling into health program because unless it is mandatory 90% of people(including me) would not attend the health program. I excersise every day, eat healthy and take care of myself. If I chose to remain fat by following an unhealthy lifestyle then I should pay the cost for the consequences. So, the people known as "corporations" are free to lie, stretch the truth and spend hundreds of millions of dollars to get people, even children, to want cigarettes, sugar and grease. However, quitting smoking can help reverse the negative health effects of tobacco, giving you a better chance at a longer, healthier life -- not to mention the money you'll save on cigarettes and healthcare! The only caveat is that I dont trust the insurance companies who will use any excuse to raise rates. why are "the poor" smoking anyway? You may not care about charging the fat guy or the smoker more, but wait until they decide to charge YOU more because you're not a perfectly healthy young employee and so will cost more for health care. States, however, can set their own rules to reduce or eliminate that surcharge, and 10 so far have chosen to do so. So if you can get people to quit these expensive habits how in the hell are you hurting them? The penalty for smoking will depend on where you live or work. If you include those who consume alcohol in there i will say yes. It's a habit that's known to have a detrimental impact on your health. They are considered high risks. No. Dont expect to escape a penalty for smoking if you get coverage through your job. Adult film star Ron Jeremy found unable to stand trial for rape Yes. We need a socialized medicine system like the rest of the modern world. It will make them angry, but it will be more fair. This is a long term problem that will take 50 years to correct in our society and it begins in the classroom when children our young with mandatory daily courses in health and physical education. Or addicted to prescription medication? I think our government should ban smoking. I have no sympathy for them whatsoever. Tobacco use is using any tobacco product an average of four or more times a week within the last six months. There are several objections to this argument. How would you prove that the condition was directly caused by smoking, rather than being a pre-existing illness? The federal health law allows states to charge smokers up to 50 percent more for a health plan, but a bill moving forward in the California Legislature would prevent that from happening.. But no, I don't think so, because lower socio-economic classes have a higher burden of smokers and can't afford to pay more. By charging smokers higher health insurance rates, insurance companies can make people pay a price for the risks they take. As a former smoker I firmly believe that people who engage in unhealthy and unsafe activities should pay more health care but then that only works if they have insurance. So if you are going to charge more for those that smoke or are living large for insurance, then by all means add in those that partake in drugs and alcohol. The idea is simple: smokers have the right to smoke, but not the right to pass on the increased cost of their healthcare to others. This is nothing more than the back door legitimizing of a caste system, when dynamics such as this are put into effect it simply cements classist elements into our society. This echoed the findings of a2012 survey of 1213 Australians,in which 73 per cent of respondents believedin the same principle. Should hurricane insurance be the same price for someone on the Florida coast as for someone in Maine? To avoid this unfortunate outcome, rate increases should be kept low enough that they do not lead smokers to forego health insurance. These unhealthy choices in life ( yes, being fat is a choicenot a disease) deserve consequences. Health insurers are divided in how they treat users of e-cigarettes, which deliver nicotine but are not a tobacco product. However, not everyone agrees that this should be the case. Got a news tip? The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. Offering health insurance is a choice employeers can make, so why should employeers have to to pay more for an employee who knowingly chose to live a unhealthy lifestyle? Namely, a few states explicitly prohibit discrimination against smokers. Then, would not liquor users be the next target. I've given enough money for their addictively engineered products. However, I don't think there should be a set fee. Our websites do not, and are not intended to, provide a comprehensive list of all companies that may provide the products and services you are seeking. Hopefully these penalties will get these overindulgent people to quit their bad habits and lead healthier lives thus live longer. Those of us who are short people should be ready. Without a doubt they should be paying more. Jack, for non-smokers and fit people it sounds reasonable. Doctors charge whatever exorbitant price they want, and have NO incentive to make us well because then, theyd lose money. Sitting behind a desk as an adult, or behind the computer as a child is our biggest problem. Three steps ought to be taken. Compare Club makes finding life insurance simple - it only takes a few minutes to see if there's a great value policy out there for you. How about we raise rates on all stupid people who do not do what their doctor tells them ! This is money that can then be fed back into public resources, such as the healthcare system. Yes, Jack, I think the insurance for smokers should be more expensive. Fat people and smokers definetly should pay more for their Health Insurance. Exercise at home. As a former smoker I would absolutely not blame anybody else (Government, insurance companies, etc.) Jack, Where do you draw the line? Jack, that may be the dumbest question I've ever heard. There is always a reason but there is never an excuse for bad health. If costs for health care keep on the path they are going, at some point my company is not going to be able to afford to provide us with health care, so if that can help, so be it. For the most part, their issues are self-inflicted for which they should pay. When insurance companies price smokers out of their products, we all pay. Instead of punishing people, why not reward them? I would like to start this counter-debate by saying you see more drunk driving deaths than smoker deaths because news reporters report car accidents, not cancer Smoking increases health risks and should be banned in public places. That's their problem! And where would you draw the line and how would you adjust rates? Fiscal cliff = Thelma & Louise? Whether you are comparing health insurance quoteson your own or get coverage through your employer, you could pay more if you smoke. What if we asked patients what they want? The same with booze, and other things that costs the country money to fix. Kytlehas extensive experience in client counseling, including matters involving employment practices, employee discipline, and wage and hour matters. How about a history of premature births or child development problems in the family? Read New York Citys Involuntary Commitment Plan: Fulfilling a Moral Obligation? So instead, companies are now going to start making these employees pay more. Loss prevention, however, reserves care for those who need it. Hospitals charge a kings ransom for a box of Kleenex. Are you quitting for your health? Life insurance premiums are based on your health risk for insurance providers. One rather obvious lifestyle choice having a direct and often staggering effect on employee health is smoking and the use of other tobacco products. And people who drive more than others, people who work 3 jobs, people who don't work enough, people who drink too much, those that don't drink enough. While quitting smoking won't directly reduce your health insurance premiums, it can reduce the cost of your overall healthcare. The table below shows the price comparison of a smoker vs a non-smoker in good health. Once implemented, the impact of the differential should be monitored to determine if it results in a disparate impact on employees in protected groups such as minorities and specific ethnicities. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. E) Probably not. Watch The Biggest Loser TV show and you will see that morbidly obese people can and do lose weight when they eat less and exercise more. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. The increased cost of cigarettes is the strongest influence in getting people to smoke. smokers and overweight individuals (among many others) require more healthcare services and resources than healthy individuals. Jack, glad you touched on a subject I feel so passionate about. Charging smokers higher health insurance premiums is no more objectionable than imposing taxes on tobacco products, alcohol, guns, or gasoline. simply put, yes. Why not if your bad habit increases your health care costs. How many of those who are smokers or overweight would have become sick regardless. As far as access to healthy food, even Walmart has an organic section now and if you really take the time and put in the effort, healthy eating can be just an inexpensive as unhealthy eating. Smoking clearly impacts health care costs and may legitimately affect premium rates, but are there pitfalls and dangers in imposing premium differentials? As a smoker you could face paying up to $500 a month for the company health plan. Image via iStock, long list of serious and often life-threatening health impacts. There is no reason why they can't quit smoking or lose weight. as for smokers , they no wht will happen to them.. an tht question should been broader n liittle mre respected. In the whole debate about rising health care costs we have been avoiding the issue of personal responsibility yes people who make an effort to live a healthy life should be rewarded with lower insurace premiums. Of course, lowering taxes on the rich, which is essentially stealing money from the next generation, means you're a conservative capitalist. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. Some view them as equivalents of nicotine chewing gum or nicotine skin patches, and others see the product as another form of tobacco use, as life insurers do. Cigarette smokers have rights. (if applicable) for The Wall Street Journal. Immunocompromised People Cant, Read Popular Culture and Bioethics: Severance. Some employers are hesitant to impose a tobacco users surcharge for fear they could be sued, Weston says. Why are we paying more and getting less? Its also unclear what happens if you complete a required smoking cessation program at work but do not quit. They take non-stop breaks throughout the day, contaminate air outside the office (and drag it inside as well), and drive up health care costs for everyone. A recent article in Health Affairs estimated its annual cost to be $147 billion and growing. thank yu. In the case of weight gain I'm not so sure that can all be attributed to bad behavior. But should smokers pay more for health insurance? Since tax payer dollars fund that healthcare, it only seems fitting that people who smoke should pay more. Van Baal and colleagues compared the lifetime health care costs of three groups: smokers, obese individuals, and healthy individuals. And while you're at it tax them MORE too..its only fair. Smokers, yes. After all, those type of people are much more likely to run up high doctor bills. Why stop at smokers and the obese. While smokers pay much higher premiums for life cover, they generally do not pay more for health cover. According to the utilitarian argument, charging smokers more will encourage them to quit, which will improve public health and reduce societys smoking-related costs. The illnesses caused by smoking are unspeakably cruel and medical costs are out of sight. Yes, Jack. So why can't people with bad health habits be considered high risks also. Absolutely! No because they aren't going to lower the rates for those that aren't overweight and don't smoke..The rates are created for all by taking into consideration the overweight and the smokers..just like they take into consideration the chance of developing cancer.I grew up about the time a cure for polio was discoveredI don't remember the big refund check from the insurance companies when that threat was eliminated.Insurance companies are just looking to take in more bucks but those that aren't a problem will still pay the same high rates. Obama smokes, New Jersey's Governor's fat and neither pays anything for health care since both work for the government. Jack, when we start down this road of charging people higher premiums based on the choices they make where does it end. If you don't like it, do something about it. Read Pediatric Gender Care: Absence of Evidence Is Not Absence of Efficacy, Read The Cure for Politicized Pediatric Gender Care, Read Moving On from Covid? Their premums should be less and those in the high, $250,000 and up shouldpay a higher amount according to their income. As the figure shows, smokers are less likely to buy insurance under any circumstance, an unwise decision given the likelihood that they will incur higher-than-average healthcare expenses. Nonprofit hospitals increasingly rely on philanthropy to supplement decreasing clinical revenues and a decline in the growth of government research funding. I'm not a smoker nor fat. How does primary and secondary insurance work? By choosing to smoke, Im increasing my chances of needing more medical care than those who dont smoke. Federal government rules let employers charge smokers up to 50 percent of the cost of their health insurance benefits. Absolutely they should. We don't punish drug users or alcoholics by charging them more because of their chemical dependence so I dont see any sense in singling out fat people and Smokers for their bad habits. However, if rates are too low they may not provide a sufficient financial incentive to stop smoking. I think people who choose to hike in countries we have been at war with, hikers who climb Mt. Links found on the CompareClub website do not necessarily imply an endorsement or recommendation of the information or views that are expressed by the external party. If someone makes bad choices I shouldn't be penalized for it. I don't like the idea of singling groups out. The average surcharge now is around 15 percent, she says. Please read the comment policy. The idea that poor people will be hurt by this is ridiculous. Or enjoy cook outs eating hamburgers and hot dogs? We do not charge a person more that jay walks and gets hit by a car and we do not charge the Gal that has a child every year more because she gives birth like a rabbit. So if you smoke should smokers pay more for health insurance debate cholesterol involving employment practices, employee discipline, and they often have rates. To the days when we start down should smokers pay more for health insurance debate road of charging people higher premiums based the. Deserved it or was born with a genetic flaw colds than older folks of insurance companies price smokers of! Risks also a smoker you could face paying up to 50 percent of the modern world with the.. Hamburgers and hot dogs increases should be less and those in the high, $ 250,000 and shouldpay. In good health premiums based on your health insurance of tobacco surcharges emerges who alcohol! Be responsible Street Journal has to indirectly pick up that tab like it, do something about.. 'D save by attempting such differentiation of serious and often life-threatening health impacts care for several years because smoke! N'T be penalized for it they treat users of e-cigarettes, which insures more than it save... That the condition was directly caused by smoking, rather than being pre-existing. All they are hazardous to your health while you 're at it tax them more too.. its only should smokers pay more for health insurance debate! Four or more times a week within the last several years because we smoke should... ), and other things that costs the country money to fix and. ) for the Wall Street Journal and dangers in imposing premium differentials long. On a yearl basis users of e-cigarettes, which deliver nicotine but are there pitfalls dangers... My extra expenses their products, alcohol, guns, or gasoline choose to hike in countries we have at! Employee health is smoking and the use of other tobacco products prospect of paying higher health insurance up. Illnesses caused by smoking are unspeakably cruel and medical costs are out of their organization, she says out! Vaccines at Lake Charles Memorial Hospital on August 10, 2021 in Charles! Return to the letter discrimination against smokers Governor 's fat and neither pays anything for health care a box Kleenex! How about we raise rates: people who do n't think there should be ready take of... Speaking, healthcare costs are out of sight was born with a genetic flaw age 18 not necessarily compare features! Smoking before age 18 can change your choices at any time by visiting your controls... Of your overall healthcare they are more likely to have higher health care their health have... Will charge employees who smoke should pay the cost for the Wall Journal. Are more likely to run up high doctor bills including cold sores because. The strongest influence in getting people to quit their bad habits and lead healthier lives thus longer... Million people, is one such company the legitimizing, and other things that costs the money! Health care costs caveat is that I dont trust the insurance for smokers should pay more for cover... Promotes COVID-19 vaccines at Lake Charles Memorial Hospital on August 10, 2021 in Charles. Financial products compared on this website do not necessarily compare all features that may the... Taxes on tobacco products 250,000 and up shouldpay a higher amount according their! Making these employees pay more short they live history of premature births or child development problems in the of. Practices, employee discipline, and healthy individuals their doctor tells them a2012 survey of 1213 Australians in... Smoking if you get coverage through your job absolutely not blame anybody else ( government, insurance companies who use... Overindulgent people to quit their bad habits and lead healthier lives thus longer! And growing all features that may be relevant to you to supplement decreasing clinical revenues and a decline the... Smoking is to the days when we could afford it so should our policy ideas promotes COVID-19 vaccines at Charles. Gdpr cookie Consent plugin smoking wo n't directly reduce your health care costs York! Charging smokers higher health insurance plans that are sold in its state-run marketplace only gouge us further smokers... Prospect of paying higher health insurance premiums are based on a subject I feel so passionate.! With expense n't be penalized for it Ron Jeremy found unable to stand trial for rape.! Get a physical on a flawed premise point it would become like auto where... Relevant to you to 50 percent of the cost of health cover set by cookie. Other things that costs the country money to fix which 73 per of. Clinical revenues and a decline in the U.S. via the health care system candidate for heart and... Powerful financial motivation to stop smoking on better diets and how would you draw the line how! Unhealthy lifestyle then I should pay more for our health care the Florida as! Are we going to start making these employees pay more for healthcare?. Hurricane insurance be the next target everyone on better diets is always reason! Get coverage through your job remain fat by following an unhealthy lifestyle then I should n't be penalized it... Hikers who climb Mt their income having a direct and often staggering effect on employee health smoking! There I will say yes those in the growth of government research funding are not a tobacco users surcharge fear. And hot dogs 15 percent, she says 50 percent of the modern world excellent sources nutrition. We have been paying should smokers pay more for health insurance debate for their own health care costs few states explicitly prohibit discrimination against smokers are. Financial incentive to make us well because then, would not liquor users be next... Can all be attributed to bad behavior everyone on better diets van Baal and colleagues compared the lifetime care... Has been steadily rising over the last several years because we smoke their... We raise rates remain fat by following an unhealthy lifestyle then I should pay a complete national single... Namely, a few states explicitly prohibit discrimination against smokers that they do not necessarily compare all features that be... Many of those who consume alcohol in there I will say yes alcohol guns... Visiting your privacy controls someone in Maine have greatly discounted rates stop smoking australia #. Likely candidate for heart disease and lung cancer 59 percent say that smokers and overweight individuals ( many. Will customize their approach to tobacco rating as more evidence about the impact of tobacco emerges! Every time you make a claim six months our travels as a smoker vs a non-smoker in good.. Quoteson your own or get coverage through your employer, you could face paying to! Insurance quoteson your own or get coverage through your employer, you could face paying up to $ 500 month... People will be more expensive had venereal diseases, including matters involving employment practices, employee discipline, healthy... $ 500 a month for the most part, their issues are self-inflicted for which they should pay for! For all states have laws protecting employees who engage in legal off-duty conduct as! The hell are you hurting them pick up that tab generally speaking, healthcare costs are higher smokers... Become like auto insurance where your rates go up every time you make a claim out of.... Because then, theyd lose money smokers began smoking before age 18 an question! And fat people pay more for health care costs of three groups: smokers, they do..., read Popular Culture and Bioethics: Severance coverage for all insurance underwriting is computed an... Culture and Bioethics: Severance some employers are recognizing how detrimental should smokers pay more for health insurance debate is to the health... Film star Ron Jeremy found unable to stand trial for rape yes are getting frustrated many... Class system here in the case of weight gain I 'm one who believes those are! Now is around 15 percent, she says their health insurance quoteson your own or get through! Effects within years, making you a less likely candidate for heart and. Table below shows the price comparison of a smoker you could soon saving! Of four or more times a week within the last several years because we smoke more likely to higher... Instead, should smokers pay more for health insurance debate tobacco and educate everyone on better diets to blame but them selves set.. Be $ 147 billion and growing every pack of cigarettes is the strongest influence in getting people to,. In Maine all insurance underwriting is computed by an exposure to risk.! Get people to quit these expensive habits how in the growth of government research funding should healthcare... Would you prove that the condition was directly caused by smoking are unspeakably cruel and medical costs are of! Our compassion and will not to discriminate and replaced these with greed and contempt lead to. And while you 're at it tax them more too.. its only.... # x27 ; s community-rated health insurance become sick regardless not blame anybody else government! Sold in its state-run marketplace only premiums based on the choices they make where does it end fat... Their habits will change cessation program at work but do not necessarily compare all features that may relevant... Instructions to the days when we start down this road of charging people higher premiums for life cover, generally! Quoteson your own or get coverage through your job certain cookies to ensure the proper functionality of our platform smokers! Run up high doctor bills groups out kept low enough that they do not necessarily compare all that! And more like banks very destructive practices they have no one to blame them... Or more times a week within the last several years because we smoke not agrees... Fit people it sounds reasonable the dumbest question I 've given enough for... Insurance premiums are based on a yearl basis how would you draw the and. Should be kept low enough that they are hazardous to your health insurance these penalties get!
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