Lance A. Brown wrote: > John Williams said the following on 8/16/2009 5:08 PM: >> On Sun, Aug 16, 2009 at 1:47 PM, David Hobby<hob...@newpaltz.edu> wrote: >> >>> It does strike me as a kludge, though. To continue >>> your example of car insurance, I don't believe that >>> anybody markets insurance against having your car >>> insurance premiums rise dramatically. >> I do not think there is a as large a risk of such a dramatic rise in >> auto insurance premiums. Possibly auto insurance premiums could go up >> 5x after 2 DUI's, but short of that, I cannot think of anything that >> would result in such a thing. And that is relatively unlikely, >> compared to developing a chronic condition at some point in one's >> life. > > The analogy between auto and health insurance fails in one regard: Most > of the time, a 5x increase in auto insurance premiums is a direct result > of decisions by the covered person. Many of causes for increases in > health insurance premiums are outside the control of the covered person. > > Should this play into the plans? I don't know. > > --[Lance]
I've heard people say that insurance reform should discriminate between lifestyle risks and inherent risks. So insurance could charge someone with type II diabetes more, but not someone with type I diabetes. You could charge more to people who, smoke, are over weight, who don't exercise, or who practice un-safe sex. You couldn't charge more because of sex, age, or a prior cancer--except to the extent it was caused by a lifestyle choice. _______________________________________________ http://mccmedia.com/mailman/listinfo/brin-l_mccmedia.com
