But, the guy with the healthy lifestyle, if genetically ore-disposed, may actually be more likely to get cancer. Should he then pay the higher premium?
On Sun, Jun 21, 2009 at 5:06 PM, Gruss Gott <[email protected]> wrote: > > > Scott wrote: > > > > What about people who may be 'genetically pre-disposed' for certain > > diseases, such as cancer. Should they be penalized because of their > genetic > > makeup? > > > > That's why I said relative. > > For example, if you have two 34 year old men, same height, etc > > * one gets 60 minutes of cardio per day, 3 full body workouts per > week, eats organic food based on a 'blue zone' diet, and has > engineered a low stress lifestyle. > > * the second smokes a pack a day, drinks a 6 pack a day, hasn't > exercised in 20 years, and eats twinkies and dominos pizza. > > Should they pay the same premium? I would say no. > > Which is also why I said the perfect plan for me would be a $50k > deductible, an unlimited HSA that counts healthy food as a health > expense, and provides a premium reduction for metrics-based lifestyle > choices. > > Some people like the no-negotiate car dealerships but I don't because > I'm willing to work to get a better than average deal. Health care > should be the same. > > Those willing to work should pay less; it should be pay for performance. > > So take the Minute Clinic fees, for example: > > Bronchitis (ages 5+) $62 > Ear Infections $62 > Pink Eye & Styes $62 > Sinus Infections $62 > Strep Throat (additional lab charges may apply) $77 > > I bet a LOT of uninsured people go to the emergency room for free the > treatments listed above even though they could've planned for such an > occurrence AND have a place to go to get treatment. > > One idea is to have a tax-free health savings account deduction from > everyone's payroll check a la social securit > > ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Want to reach the ColdFusion community with something they want? Let them know on the House of Fusion mailing lists Archive: http://www.houseoffusion.com/groups/cf-community/message.cfm/messageid:298736 Subscription: http://www.houseoffusion.com/groups/cf-community/subscribe.cfm Unsubscribe: http://www.houseoffusion.com/cf_lists/unsubscribe.cfm?user=11502.10531.5
