this post was submitted on 22 Feb 2025
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This argument is so dumb. It's quite often paired with " I don't want to pay for fat people's and smokers poor life choices", like do you think united Healthcare doesn't cover the third of the population that's obese, or is even making them pay more? Unless you're one of the few people getting Healthcare from the marketplace your insurance provider doesn't have enough info to assess health risk and adjust prices, you're employer buys a bulk plan and you become a line in a database with maybe your age on it but not much else. You and your employer are paying the same amount whether your a marathon runner or a chain smoking alcoholic.
I promise you that health insurance companies keep track of every fucking detail they can about you, you are not just a “line in a database”, you are not summarized into a group purchase.
I don't doubt they do for Healthcare but for the billing system I dont think they are. They aren't going to your employer and saying Steve is fat so we're charging an extra $200 for him, but you can pass that on to him so the rest of your employees don't have to pay. In the end when they go to charge you and your employer they'll just give you the total rate to cover x people and then split it up by person.
Correct me if I'm wrong but the administrative overhead and health privacy implications would be too much to assess individual health cost liability.
Yeah they're going to keep track of every visit and procedure to make sure you aren't "overusing" your coverage and deny you if you do, but passing that un aggregated data over to the actuarys seems infeasible.
That’s just because of Woke Obamacare forcing big government into private decisions. If we get rid of that then I could have real private insurance that benefits me!
(Yes I know this statement is factually inaccurate, but this is the argument you need to frame yourself against if you want to change the mind of Nazis…I mean elephants.)