New penalty for smokers in Obamacare... - Page 2 - TigerDroppings.com

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Radiojones
USA Fan
The Twilight Zone
Member since Feb 2007
6569 posts
 Online 

re: New penalty for smokers in Obamacare...


quote:

I'm fine with insurance companies charging higher premiums to smokers but it is a joke that they can't charge higher premiums for other health risks.


This is a scary place we are heading towards. What happens when a health insurance company can charge extra for having sex, having unprotected sex, having anal sex, parachuting, scuba diving, not exercising, exercising too much, drinking too much alcohol, drinking too little alcohol, being married, being divorce, owing a two story house, owning a goat, eating organic, etc.

I know this is extreme but where does it stop? Who gets what data about you and you gets trusted with it?






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jiggy0
LSU Fan
Lafayette
Member since Nov 2012
156 posts

re: New penalty for smokers in Obamacare...


quote:

Good. If you want to smoke, you should have to pay for it. I don't want my premiums going up to help pay the cost of treatment for a lifetime smoker.


My problem, as stated, is trying to figure out if me, as an employer, will have to pay 70% of this penalty for the smokers as I pay 70% of their premiums.

Plus, I'm looking at my employees healthcare right now. This will more than double most of their health care costs. There is simply no way they can afford this and I can't afford to pay the 70% of the penalties for them.






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Jimbeaux28
LSU Fan
Baton Rouge
Member since Jun 2007
2044 posts

re: New penalty for smokers in Obamacare...


We all will be paying higher rates for all the people with pre-existing conditions since insurance companies can't charge those people higher rates.







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Gray Tiger
LSU Fan
Prairieville, LA
Member since Jan 2004
22812 posts

re: New penalty for smokers in Obamacare...


Why are smokers having to pay more? I know that the odds are that they will run up higher medical bills, but wasn't this the reason that Big Tobac shoveled out billons to the states in a lawsuit to cover those costs?





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tylercsbn9
LSU Fan
Tomball, TX
Member since Feb 2004
54903 posts
 Online 

re: New penalty for smokers in Obamacare...


quote:

This is a scary place we are heading towards. What happens when a health insurance company can charge extra for having sex, having unprotected sex, having anal sex, parachuting, scuba diving, not exercising, exercising too much, drinking too much alcohol, drinking too little alcohol, being married, being divorce, owing a two story house, owning a goat, eating organic, etc.



How would they even keep track of 90% of that shit?






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WildTchoupitoulas
LSU Fan
Member since Jan 2010
15150 posts

re: New penalty for smokers in Obamacare...


Why not just increase the tax oon cigarettes and have that go directly to the health care system? That seems a lot more workable than trying to figure out if someone is lying to their insurer when they say they don't smoke.





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Radiojones
USA Fan
The Twilight Zone
Member since Feb 2007
6569 posts
 Online 

re: New penalty for smokers in Obamacare...


quote:

How would they even keep track of 90% of that shit?


That's another great question. Perhaps a new government agency - The Ministry of Information will do that for us.

It's easy to attack smoking/smokers but there are literally millions of behaviors that can affect ones life expectancy and health care needs through out their lives. Let's not forget the ones that we don't have any control of either.






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Radiojones
USA Fan
The Twilight Zone
Member since Feb 2007
6569 posts
 Online 

re: New penalty for smokers in Obamacare...


quote:

Why not just increase the tax oon cigarettes and have that go directly to the health care system? That seems a lot more workable than trying to figure out if someone is lying to their insurer when they say they don't smoke.


Not a bad idea at all but I think we have done this before haven't we?






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Queen
LSU Fan
383 miles from Death Valley
Member since Nov 2009
2761 posts

re: New penalty for smokers in Obamacare...


quote:

It's easy to attack smoking/smokers but there are literally millions of behaviors that can affect ones life expectancy and health care needs through out their lives. Let's not forget the ones that we don't have any control of either.


They're screwing us without tracking it as is. My premiums are sky high because I'm a 26-year-old woman and they think I'm "of childbearing age." but I'm on birth control...so shouldn't they be more worried about the ones having unprotected sex?

To the poster who mentioned how they would track all this stuff...the auto industry figured that out with snapshot for their premiums. LINK






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Archie Bengal Bunker
LSU Fan
Member since Jun 2008
15286 posts

re: New penalty for smokers in Obamacare...


Well, some of those things you listed are hard to verify. But car insurance companies charge different rates based on age, vehicle, color, etc. If you are under 25 and have a red corvette, the algorithms say you are riskier to insure.


Now, age, car makes and models, and color are easy to find out. Some of the things you listed would be difficult to find out. But if you participate in a high risk activity, and it can be proven somehow, why shouldn't you pay more?






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Archie Bengal Bunker
LSU Fan
Member since Jun 2008
15286 posts

re: New penalty for smokers in Obamacare...


quote:

We all will be paying higher rates for all the people with pre-existing conditions


I don't have a problem with this per se. People with pre-existing conditions should be able to get affordable coverage.

quote:

since insurance companies can't charge those people higher rates.


Higher than what? edit, clarity: They can't charge a pre-existing person higher than who else? the average person their age? The average? What?



This post was edited on 1/28 at 2:56 pm


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junkfunky
LSU Fan
Member since Jan 2011
14137 posts

re: New penalty for smokers in Obamacare...


quote:

Well, some of those things you listed are hard to verify. But car insurance companies charge different rates based on age, vehicle, color, etc. If you are under 25 and have a red corvette, the algorithms say you are riskier to insure.


Now, age, car makes and models, and color are easy to find out. Some of the things you listed would be difficult to find out. But if you participate in a high risk activity, and it can be proven somehow, why shouldn't you pay more?




You don't actually think that smokers aren't currently charged more for health insurance, do you? Hopefully you know they pay a tax that is supposed to go toward the state's health care costs as well.






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doubleb
LSU Fan
Baton Rouge
Member since Aug 2006
6452 posts

re: New penalty for smokers in Obamacare...


How do the insurance companies know you're smoking?

Can't you just lie about it or why do you have to even answer?

Couldn't you plead the fifth amendment?
Why incriminate yourself?






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shawnlsu
LSU Fan
Member since Nov 2011
6343 posts
 Online 

re: New penalty for smokers in Obamacare...


quote:

Why are smokers having to pay more? I know that the odds are that they will run up higher medical bills, but wasn't this the reason that Big Tobac shoveled out billons to the states in a lawsuit to cover those costs?


Way too long ago. America's short attention span has already forgotten about that






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Zahrim
Colorado Fan
McCamey Texas
Member since Mar 2009
4533 posts

re: New penalty for smokers in Obamacare...


quote:

Don't they already do this?


Up to 20% currently, Obamacare adds to that

Published: November 16, 2011

quote:

Current regulations allow companies to require workers who fail to meet specific standards to pay up to 20 percent of their insurance costs. The federal health care law raises that amount to 30 percent in 2014 and, potentially, to as much as half the cost of a policy.






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Ace Midnight
LSU Fan
Ball, LA - Home, Sweet Home
Member since Dec 2006
30325 posts
 Online 

re: New penalty for smokers in Obamacare...


quote:

I've googled and called my insurance agent. Can't find an answer.


Start firing the smokers and don't hire any new ones.

Somebody has to take a stand.






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Radiojones
USA Fan
The Twilight Zone
Member since Feb 2007
6569 posts
 Online 

re: New penalty for smokers in Obamacare...


quote:

But if you participate in a high risk activity, and it can be proven somehow, why shouldn't you pay more?


What scares me is not so much in paying more but who collects the information, who has access to the information and what is done with it.

However, just wait until they charge homosexual men more than homosexual women for health insurance...Toddy will blow a gasket!






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BugAC
LSU Fan
Baton Rouge
Member since Oct 2007
18604 posts

re: New penalty for smokers in Obamacare...


quote:

Now, age, car makes and models, and color are easy to find out. Some of the things you listed would be difficult to find out. But if you participate in a high risk activity, and it can be proven somehow, why shouldn't you pay more?


What are these high risk activities? Do they also get applied to the poor obese food stamp recipients? How does one who pays no insurance, because they are on obamacare and too poor, yet is obese, get penalized? Or do we chock this up to them being victimized by that racist fried chicken and coke?

I mean, we aren't talking about skydivers or bull fighters that are driving up medical costs, it's fat welfare queens in the ghetto that don't pay for their food, home, medical costs anyway. How do you penalize people who are takers from society and do not contribute?



This post was edited on 1/28 at 3:16 pm


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Archie Bengal Bunker
LSU Fan
Member since Jun 2008
15286 posts

re: New penalty for smokers in Obamacare...


quote:

You don't actually think that smokers aren't currently charged more for health insurance, do you? Hopefully you know they pay a tax that is supposed to go toward the state's health care costs as well.


I don't know why you are so upset that I don't care if smokers have to pay more. The guy I responded to was talking about sex, alcohol, marriage, etc. Maybe you should just quit smoking if you can't afford it?









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Zahrim
Colorado Fan
McCamey Texas
Member since Mar 2009
4533 posts

re: New penalty for smokers in Obamacare...


quote:

What scares me is not so much in paying more but who collects the information, who has access to the information and what is done with it. However, just wait until they charge homosexual men more than homosexual women for health insurance...Toddy will blow a gasket!


They are according to this anti-homosexual senator:

Stacey Campfield: Insurance companies charge homosexuals higher rates due to shorter, dangerous lives

quote:

Campfield seemed to indicate that insurance companies raise their rates for homosexuals. He claimed this to be true because the companies have statistics showing that gays, when compared to others, live significantly shorter lives -- by a full 24 years!






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