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	<title>Comments on: Should Healthy People Pay Less for Health Insurance?</title>
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		<title>By: Diane</title>
		<link>http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/comment-page-1/#comment-153758</link>
		<dc:creator>Diane</dc:creator>
		<pubDate>Tue, 30 Jun 2009 20:07:16 +0000</pubDate>
		<guid isPermaLink="false">http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/#comment-153758</guid>
		<description>Genetics say that I am at risk for cancer &amp; heart attack, YET I have chosen a different lifestyle &amp; eating pattern than my family; therefore, I am NOT at risk.  I have addressed the problem before it exists.  

I spend more money on organic food, expensive supplements, and exercise self control.  PLUS I spend much time researching how to beat diseases.  The best way is to stay alkaline (not acidic).  Cancer feeds on acid &amp; meat is very acidic.

I switched to a purely vegan (no animal product) eating regime, gave up sugar, and even have switched to a RAW FOOD diet and am experiencing even better results, with more energy.  I do not put drugs (medicine they call it) into my system, do not eat fast food, and most always prepare my own meals rather than have the convenience of eating out.   I study the Bible which teaches me how to think, &amp; rely on God in all situations &amp; practice obedience to Him so that I do not experience deadly stress.  He blesses me with friends &amp; support &amp; gives me the strength &amp; hope to walk through it all, without experiencing deadly stress.

I work hard at staying healthy &amp; keep up with the latest findings regarding dangerous vaccines, which I do not get for any reason.  Therefore, I will not be using these services as someone who does what they want and when.  I should not have to pay the same amount as others my age (58)  because I have not been to the doctor for any reason; I am healthy.  I pay for it through these ways listed above that others have saved money on.</description>
		<content:encoded><![CDATA[<p>Genetics say that I am at risk for cancer &amp; heart attack, YET I have chosen a different lifestyle &amp; eating pattern than my family; therefore, I am NOT at risk.  I have addressed the problem before it exists.  </p>
<p>I spend more money on organic food, expensive supplements, and exercise self control.  PLUS I spend much time researching how to beat diseases.  The best way is to stay alkaline (not acidic).  Cancer feeds on acid &amp; meat is very acidic.</p>
<p>I switched to a purely vegan (no animal product) eating regime, gave up sugar, and even have switched to a RAW FOOD diet and am experiencing even better results, with more energy.  I do not put drugs (medicine they call it) into my system, do not eat fast food, and most always prepare my own meals rather than have the convenience of eating out.   I study the Bible which teaches me how to think, &amp; rely on God in all situations &amp; practice obedience to Him so that I do not experience deadly stress.  He blesses me with friends &amp; support &amp; gives me the strength &amp; hope to walk through it all, without experiencing deadly stress.</p>
<p>I work hard at staying healthy &amp; keep up with the latest findings regarding dangerous vaccines, which I do not get for any reason.  Therefore, I will not be using these services as someone who does what they want and when.  I should not have to pay the same amount as others my age (58)  because I have not been to the doctor for any reason; I am healthy.  I pay for it through these ways listed above that others have saved money on.</p>
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		<title>By: anti</title>
		<link>http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/comment-page-1/#comment-153200</link>
		<dc:creator>anti</dc:creator>
		<pubDate>Fri, 26 Jun 2009 01:51:03 +0000</pubDate>
		<guid isPermaLink="false">http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/#comment-153200</guid>
		<description>What &#039;kitty&#039; is saying is relevant for people in the gray area around the dividing line between healthy and non-healthy people, as well as to the effort needed to establish that dividing line.  So it&#039;s not unimportant.  However, on a general level (or macroscopic way) it&#039;s fairly easy to tell who are in each category.  Perhaps a third category could be established for people in the gray area.  Indeed, there are already HMOs/PPOs that offer many levels of premium/deductible that healthy people can take advantage of.

But, implementing this on a national level will help to both alleviate cost concerns for healthy people and encourage unhealthy people to adopt better lifestyles.  Of course, this is the U.S.A. though.  So the problem will fester and the population will pay the price of degeneration because this country, despite it&#039;s insistence on proclaiming itself &quot;#1!&quot;, acts like a retarded fool and a rabid dog at the same time.  So I say do nothing!  Or do something half-assed that looks good but doesn&#039;t really solve the problem, like you people usually do.  That way we that say &quot;we told you so&quot; can continue to at least enjoy the benefit of watching this insult to humanity of a country march along its road to collapse.</description>
		<content:encoded><![CDATA[<p>What &#8216;kitty&#8217; is saying is relevant for people in the gray area around the dividing line between healthy and non-healthy people, as well as to the effort needed to establish that dividing line.  So it&#8217;s not unimportant.  However, on a general level (or macroscopic way) it&#8217;s fairly easy to tell who are in each category.  Perhaps a third category could be established for people in the gray area.  Indeed, there are already HMOs/PPOs that offer many levels of premium/deductible that healthy people can take advantage of.</p>
<p>But, implementing this on a national level will help to both alleviate cost concerns for healthy people and encourage unhealthy people to adopt better lifestyles.  Of course, this is the U.S.A. though.  So the problem will fester and the population will pay the price of degeneration because this country, despite it&#8217;s insistence on proclaiming itself &#8220;#1!&#8221;, acts like a retarded fool and a rabid dog at the same time.  So I say do nothing!  Or do something half-assed that looks good but doesn&#8217;t really solve the problem, like you people usually do.  That way we that say &#8220;we told you so&#8221; can continue to at least enjoy the benefit of watching this insult to humanity of a country march along its road to collapse.</p>
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		<title>By: Scott</title>
		<link>http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/comment-page-1/#comment-137479</link>
		<dc:creator>Scott</dc:creator>
		<pubDate>Thu, 26 Feb 2009 20:25:52 +0000</pubDate>
		<guid isPermaLink="false">http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/#comment-137479</guid>
		<description>I don&#039;t need to be told how much to exercise and how to live.  

I already know what I need to do to be healthy and treat myself without professional medical assistance.   

There needs to be a fair way to reward those who never take prescription drugs and visit the medical scam facilities.

The notion that genetics is a cause for health problems has become a good excuse our society has fallen for.  It is a convenient way for doctors and drug companies to keep patients coming back and makes them dependent, not independent.  Our medical care is out of control and has become socialized.  The main reason we should all need health insurance is for emergency care.  

Statistics show that alternative medicine is much more effective than traditional medicine.    Health insurance companies need recognize these facts and honor these methods of treatment.   And those using alternative medicine usually have healthy lifestyles to begin with.</description>
		<content:encoded><![CDATA[<p>I don&#8217;t need to be told how much to exercise and how to live.  </p>
<p>I already know what I need to do to be healthy and treat myself without professional medical assistance.   </p>
<p>There needs to be a fair way to reward those who never take prescription drugs and visit the medical scam facilities.</p>
<p>The notion that genetics is a cause for health problems has become a good excuse our society has fallen for.  It is a convenient way for doctors and drug companies to keep patients coming back and makes them dependent, not independent.  Our medical care is out of control and has become socialized.  The main reason we should all need health insurance is for emergency care.  </p>
<p>Statistics show that alternative medicine is much more effective than traditional medicine.    Health insurance companies need recognize these facts and honor these methods of treatment.   And those using alternative medicine usually have healthy lifestyles to begin with.</p>
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		<title>By: Damien</title>
		<link>http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/comment-page-1/#comment-135537</link>
		<dc:creator>Damien</dc:creator>
		<pubDate>Wed, 28 Jan 2009 17:49:04 +0000</pubDate>
		<guid isPermaLink="false">http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/#comment-135537</guid>
		<description>This i what i think we will see more of  -  hopefully.

Lifestyle is choice and it plays a very large role in your health.  Why should I pay higher premiums to pay for fat lazy unfit smokers with poor diet that dont seem to give two hoots about their health?  There are so many people like this out there.

If to be elligible for a super cheap health insurance premium I was required under the conditions to work out twice a week, or run 2 miles three times week, stay fit and eat healthy (i&#039;m not exactly sure how they&#039;d monitor all this) then i would be all about it.   Your premiums would probably be halved.

Unfortunately under HIPAA it seems very difficult for insurers to offer these kinds of incentives.</description>
		<content:encoded><![CDATA[<p>This i what i think we will see more of  &#8211;  hopefully.</p>
<p>Lifestyle is choice and it plays a very large role in your health.  Why should I pay higher premiums to pay for fat lazy unfit smokers with poor diet that dont seem to give two hoots about their health?  There are so many people like this out there.</p>
<p>If to be elligible for a super cheap health insurance premium I was required under the conditions to work out twice a week, or run 2 miles three times week, stay fit and eat healthy (i&#8217;m not exactly sure how they&#8217;d monitor all this) then i would be all about it.   Your premiums would probably be halved.</p>
<p>Unfortunately under HIPAA it seems very difficult for insurers to offer these kinds of incentives.</p>
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		<title>By: Gmh</title>
		<link>http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/comment-page-1/#comment-122348</link>
		<dc:creator>Gmh</dc:creator>
		<pubDate>Sun, 23 Nov 2008 16:02:38 +0000</pubDate>
		<guid isPermaLink="false">http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/#comment-122348</guid>
		<description>It would be unconscionable to mandate that people who deliberately live a lifestyle designed to keep themselves healthy should be required to pay for the costs associated with other individual&#039;s deliberate neglect of their health and then expect everyone else to pay for their neglect.

Along with that principle, it would be charitable for those who do have better health to contribute something to the health costs of those who, through no fault or neglect of their own, are suffering with poor health and associated costs.  Spreading that particular kind of health cost is good, but not the cost of those who deliberately neglect their health.

That said, and to be fair, there should be a more concerted effort to educate people who must purchase health insurance on healthy lifestyle methods to keep themselves healthy.  And once the most appropriate lifestyle education is promoted, then premium discounts are appropriate and should be obligatory for the benefit of all who choose to live a better healthy lifestyle.

To promote and implement a plan that does not take all this into consideration and is fair to those who choose a better lifestyle and work to achieve it would be something like socialism, which is always degrading in a number of specific ways to society in the long run.  

There are several factors that make universal health care almost unworkable.  The most important is that health care resources are inadequate to handle the grand scope of the whole job.  And most health care modalities (due to commercial interest) do not use the most effective means to achieving individual health.  Especially, the overuse of medical drugs when doing so is usually unnecessary, according to many doctors.  Perhaps the most important reason is that healthy people choose lifestyle and healing modes that are not profitable for the health industry generally.</description>
		<content:encoded><![CDATA[<p>It would be unconscionable to mandate that people who deliberately live a lifestyle designed to keep themselves healthy should be required to pay for the costs associated with other individual&#8217;s deliberate neglect of their health and then expect everyone else to pay for their neglect.</p>
<p>Along with that principle, it would be charitable for those who do have better health to contribute something to the health costs of those who, through no fault or neglect of their own, are suffering with poor health and associated costs.  Spreading that particular kind of health cost is good, but not the cost of those who deliberately neglect their health.</p>
<p>That said, and to be fair, there should be a more concerted effort to educate people who must purchase health insurance on healthy lifestyle methods to keep themselves healthy.  And once the most appropriate lifestyle education is promoted, then premium discounts are appropriate and should be obligatory for the benefit of all who choose to live a better healthy lifestyle.</p>
<p>To promote and implement a plan that does not take all this into consideration and is fair to those who choose a better lifestyle and work to achieve it would be something like socialism, which is always degrading in a number of specific ways to society in the long run.  </p>
<p>There are several factors that make universal health care almost unworkable.  The most important is that health care resources are inadequate to handle the grand scope of the whole job.  And most health care modalities (due to commercial interest) do not use the most effective means to achieving individual health.  Especially, the overuse of medical drugs when doing so is usually unnecessary, according to many doctors.  Perhaps the most important reason is that healthy people choose lifestyle and healing modes that are not profitable for the health industry generally.</p>
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		<title>By: m</title>
		<link>http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/comment-page-1/#comment-19836</link>
		<dc:creator>m</dc:creator>
		<pubDate>Mon, 24 Sep 2007 16:36:36 +0000</pubDate>
		<guid isPermaLink="false">http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/#comment-19836</guid>
		<description>&quot;I get a safe drivers discount for my car insurance. Why shouldn’t I get one for my health insurance?&quot; 

Because you control your own driving, but you do not control many/most aspects of your physcial health. Out of the four factors measured, only one can be mostly considered under one&#039;s control: nicotine usage. The rest,  body mass, cholesterol, and blood-pressure all have components that for many are not simply related to lifestyle.</description>
		<content:encoded><![CDATA[<p>&#8220;I get a safe drivers discount for my car insurance. Why shouldn’t I get one for my health insurance?&#8221; </p>
<p>Because you control your own driving, but you do not control many/most aspects of your physcial health. Out of the four factors measured, only one can be mostly considered under one&#8217;s control: nicotine usage. The rest,  body mass, cholesterol, and blood-pressure all have components that for many are not simply related to lifestyle.</p>
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		<title>By: Carnival of Personal Finance #119 - Blunt Money</title>
		<link>http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/comment-page-1/#comment-19822</link>
		<dc:creator>Carnival of Personal Finance #119 - Blunt Money</dc:creator>
		<pubDate>Mon, 24 Sep 2007 13:05:41 +0000</pubDate>
		<guid isPermaLink="false">http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/#comment-19822</guid>
		<description>[...] Money Smart Life presents Should Healthy People Pay Less for Health Insurance?. He wonders if people should be offered a discount on their deductible for abstaining from those behaviors, and talks about a pilot program that proposes exactly that. [...]</description>
		<content:encoded><![CDATA[<p>[...] Money Smart Life presents Should Healthy People Pay Less for Health Insurance?. He wonders if people should be offered a discount on their deductible for abstaining from those behaviors, and talks about a pilot program that proposes exactly that. [...]</p>
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		<title>By: &#187; Weekly Roundup - Mobile Web Edition&#160;&#64;&#160;fivecentnickel.com</title>
		<link>http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/comment-page-1/#comment-19756</link>
		<dc:creator>&#187; Weekly Roundup - Mobile Web Edition&#160;&#64;&#160;fivecentnickel.com</dc:creator>
		<pubDate>Sun, 23 Sep 2007 16:08:16 +0000</pubDate>
		<guid isPermaLink="false">http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/#comment-19756</guid>
		<description>[...] Ben asked if healthy people should pay less for health insurance. [...]</description>
		<content:encoded><![CDATA[<p>[...] Ben asked if healthy people should pay less for health insurance. [...]</p>
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		<title>By: Ben</title>
		<link>http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/comment-page-1/#comment-19754</link>
		<dc:creator>Ben</dc:creator>
		<pubDate>Sun, 23 Sep 2007 15:48:39 +0000</pubDate>
		<guid isPermaLink="false">http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/#comment-19754</guid>
		<description>Well put Ron!</description>
		<content:encoded><![CDATA[<p>Well put Ron!</p>
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		<title>By: Ron E</title>
		<link>http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/comment-page-1/#comment-19709</link>
		<dc:creator>Ron E</dc:creator>
		<pubDate>Sat, 22 Sep 2007 17:05:50 +0000</pubDate>
		<guid isPermaLink="false">http://moneysmartlife.com/should-healthy-people-pay-less-for-health-insurance/#comment-19709</guid>
		<description>I agree that heallthy lifestyles as you mentioned ALONG WITH genetic predisposition make up one&#039;s overall disease risk (the two are cumulative).  You cant change who your parents were, but you CAN change you lifestyle to minimize you risk.  MANY Americans just dont seem willing to change their habits and lifestyles in spite of publicity and health professionals counseling (people who are so heavy they have to ride a cart or have to turn off their oxygen to smoke a cigarette).  Americans seem to respond to pocket book pressures.  Putting the responsibility for health care where it belongs for the PERSONALLY CHANGEABLE variables (tobacco,  alcohol, diet quantity and quality, exercise, etc)  I think SHOULD be an element in health care cost distribution, while maintaining the saftey net for all.</description>
		<content:encoded><![CDATA[<p>I agree that heallthy lifestyles as you mentioned ALONG WITH genetic predisposition make up one&#8217;s overall disease risk (the two are cumulative).  You cant change who your parents were, but you CAN change you lifestyle to minimize you risk.  MANY Americans just dont seem willing to change their habits and lifestyles in spite of publicity and health professionals counseling (people who are so heavy they have to ride a cart or have to turn off their oxygen to smoke a cigarette).  Americans seem to respond to pocket book pressures.  Putting the responsibility for health care where it belongs for the PERSONALLY CHANGEABLE variables (tobacco,  alcohol, diet quantity and quality, exercise, etc)  I think SHOULD be an element in health care cost distribution, while maintaining the saftey net for all.</p>
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