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Started By
Message
Should health insurance premiums be more directly linked to individual risk factors
Posted on 10/27/20 at 6:43 pm
Posted on 10/27/20 at 6:43 pm
Health insurance is one of the least directly proportional to individual risk.
Do you think there should be a closer link between premiums and personal risk factors?
Things like:
body fat
cholesterol
tobacco use
hypertension
genetic mutations
etc
Do you think there should be a closer link between premiums and personal risk factors?
Things like:
body fat
cholesterol
tobacco use
hypertension
genetic mutations
etc
27
Posted on 10/27/20 at 6:46 pm to Obtuse1
Any condition aggravated by a personal choice or lack of personal care, absolutely. Anything genetic, I am leaning towards no.
Posted on 10/27/20 at 6:46 pm to Obtuse1
Should be no different than life insurance
Posted on 10/27/20 at 6:49 pm to Obtuse1
So just because I smoke and enjoy desserts means I need to pay more for health insurance ( a basic human right I’m told)?
Posted on 10/27/20 at 6:49 pm to Obtuse1
So you’re FOR underwriting using pre-existing conditions.
Posted on 10/27/20 at 6:50 pm to Obtuse1
Wait you mean companies who charge X price but then give you discounts for basic screening and good outcomes?
Posted on 10/27/20 at 6:51 pm to Obtuse1
Obviously
Posted on 10/27/20 at 6:51 pm to Obtuse1
Once you control the business model via federal regulations based on the feelings of others you no longer have insurance.
This post was edited on 10/27/20 at 6:52 pm
Posted on 10/27/20 at 6:52 pm to Obtuse1
Healthcare.gov
Check out the link. Click on download zip and then open excel. Filter to Louisiana and pick a parish. Excel sheet shows all of the different plans offered on exchange and the associated rates for each group of people.
The point is that currently there are very few different rates for members.
Rates should certainly be more dependent on individual risk. Insurers generally don’t even individualize to the current allowed levels though. Additionally, adjusting something as simple as age bands would do a tremendous amount to lower younger peoples insurance costs.
Check out the link. Click on download zip and then open excel. Filter to Louisiana and pick a parish. Excel sheet shows all of the different plans offered on exchange and the associated rates for each group of people.
The point is that currently there are very few different rates for members.
Rates should certainly be more dependent on individual risk. Insurers generally don’t even individualize to the current allowed levels though. Additionally, adjusting something as simple as age bands would do a tremendous amount to lower younger peoples insurance costs.
Posted on 10/27/20 at 6:54 pm to Obtuse1
If health insurance goes away from the risk pool model, it will be like $100/mo for 18 yos and $5000/mo for 70 yos.
Posted on 10/27/20 at 6:55 pm to Obtuse1
Sure. LA, MS, AR... hell, the entire south. People would be very happy to step on the scale and have their blood drawn. What could go wrong?
Posted on 10/27/20 at 6:59 pm to Obtuse1
Would that include risk factors such as playing sports would increase rates, drive over so many miles a year increases rates, drink alcohol , Have more than one sexual partner, etc?
You open Pandora’s box and you won’t like what you get
You open Pandora’s box and you won’t like what you get
This post was edited on 10/27/20 at 7:02 pm
Posted on 10/27/20 at 7:02 pm to Obtuse1
What about if you have 5 kids vs 1? Everywhere I've worked, the group health is employee only, employee and spouse or family. I used to work with a dude that had 10 kids and his insurance was the same as mine with 1 at the time.
This post was edited on 10/27/20 at 7:02 pm
Posted on 10/27/20 at 7:04 pm to Obtuse1
Could a regular prostate massage bring rates down as it decreases the likelihood of prostate cancer and depression?
Posted on 10/27/20 at 7:11 pm to Obtuse1
Some policies give discounts for fitness tracking.
Posted on 10/27/20 at 7:17 pm to Obtuse1
Yes my company had like 125000 in premiums and insurance only paid like 20k total and our plans still went up.
Posted on 10/27/20 at 7:24 pm to Obtuse1
I had an work place health insurance deal where smokers have to pay like $100 extra / month
This post was edited on 10/27/20 at 7:25 pm
Posted on 10/27/20 at 7:41 pm to Obtuse1
Yes.
BUT
You would need 100% deregulation to bring in competition to lower rates across all risk levels.
BUT
You would need 100% deregulation to bring in competition to lower rates across all risk levels.
Posted on 10/27/20 at 7:43 pm to Obtuse1
quote:
directly linked to individual risk factors
Sounds great, until your mom or dad gets cancer and can't renew their insurance bc the premium is $7K a month
Posted on 10/27/20 at 7:54 pm to Obtuse1
No, for the most part. If yes, only for modifiable risk factors. We already have tobacco user vs non-tobacco user rates. I could see a rate giving a bonus for someone with HTN having three consecutive BP’s under 130 systolic. Or giving a patient with diabetes a discount for a low hgbA1c.
Slippery slope otherwise. Child bearing age women have higher rates, high rates for a family history of cancer/heart disease, significant rate increases after age 50.
Slippery slope otherwise. Child bearing age women have higher rates, high rates for a family history of cancer/heart disease, significant rate increases after age 50.
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