You have advocated that people who live a less than healthy lifestyle should be charged more for insurance. Under a plan like this, what would the repercussions be if someone was exercising to get a lower premium and got injured? Seems they get penalized that way too.
On Thu, Jul 9, 2009 at 11:43 AM, Gruss Gott<[email protected]> wrote: > >> g wrote: >> Yes, but that's different then what you originally accused me of....which is >> imposing costs on the system without ever paying those costs myself. Because >> in time I WILL pay those costs, with interest. >> > > Well what I meant was that most people with good employer based health > insurance don't think twice about hardcore snowboarding, bungee > jumping, and who knows. Frankly, to me, that's a great benefit of the > system, but it has a major down side: > > Let's say we had a consumer-directed system that allowed you to keep > that money you're talking about. > > So let's say that your deductible was $5000 and that came directly out > of your health savings account which could be used any health expenses > including food AND be converted to retirement money. And let's say > that account was pre-tax, the spend non-taxable, and it had an > unlimited maximum. (in other words your employer gives YOU the money > instead of someone else) > > You might think twice before risking your knee and you definitely > would after having it happen the first time. > > The difference is that your sports choices directly impact your bank > account - today. You just saw $5000 of money you could've used for a > retirement home evaporate because you wanted to play football. > > Oh, and lets say you googled knee surgery and found a surgeon with > great recommendations that was an hour away but was willing to do the > surgery for $4000. You'd take it and he'd probably make huge dough in > the long run and open a whole chain of $4k knee surgery centers. > > ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| 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:299694 Subscription: http://www.houseoffusion.com/groups/cf-community/subscribe.cfm Unsubscribe: http://www.houseoffusion.com/cf_lists/unsubscribe.cfm?user=11502.10531.5
