Republicans Quietly Admit There Will Be No Obamacare Replacement
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« Reply #20 on: February 02, 2017, 03:40:46 am »

Well, it's a lot closer to it than Obama-care.   

I bet all my various insurances cost a lot less than the people living a few streets over, when I lived in Chicago.   

That's probably true  but it's being based on property values and crime rates and things like that.  We don't value human bodies the same way as property.
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« Reply #21 on: February 02, 2017, 09:17:32 am »

I don't know how old you are, but you may remember that gays paid higher health and life insurance than non gays.   Simply getting a HIV test was enough to jack up your health and life insurance costs, even when it was required to work certain jobs like the oil industry.


Lifestyle choices should affect how much you pay.

Equality is equality, as long as white men are paying. 
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« Reply #22 on: February 02, 2017, 10:32:39 am »

How would you quantify that?   You can smoke for 30 years and get cancer.  Did the smoking cause it?  There are millions of people who have never smoked a cigarette and still get lung cancer. Why would any insurer even insure someone who has HIV or smokes?  They are going to lose money on that patient eventually. 

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« Reply #23 on: February 02, 2017, 11:22:01 am »

The known risks of smoking is factored into the costs of their health/life insurance. 

Everything (except lifestyle choices by race) is factored in when calculating the cost of health/life insurance. 

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The below is from 2009;

In every US state, blacks have the highest obesity rate.  The same with hypertension, heart disease and asthma.

Blacks have double the rate of T2 Diabetes compared to whites, and growing bigger each year.

79% of blacks have health insurance vs 88% for whites. 

Despite this, blacks die from asthma at a rate of 500% that of whites.  Blacks are hospitalized for asthma at a rate of 250% that of whites.  Blacks visit the ER for asthma at a rate of 260% for asthma. 

Blacks have the highest rate of infant deaths. 

Blacks die at a higher rate than any other racial group from survivable cancers.   This is despite being 3rd in the most health coverage by race of 7 groups.
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« Reply #24 on: February 02, 2017, 11:47:44 am »

The known risks of smoking is factored into the costs of their health/life insurance. 

Everything (except lifestyle choices by race) is factored in when calculating the cost of health/life insurance. 

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The below is from 2009;

In every US state, blacks have the highest obesity rate.  The same with hypertension, heart disease and asthma.

Blacks have double the rate of T2 Diabetes compared to whites, and growing bigger each year.

79% of blacks have health insurance vs 88% for whites. 

Despite this, blacks die from asthma at a rate of 500% that of whites.  Blacks are hospitalized for asthma at a rate of 250% that of whites.  Blacks visit the ER for asthma at a rate of 260% for asthma. 

Blacks have the highest rate of infant deaths. 

Blacks die at a higher rate than any other racial group from survivable cancers.   This is despite being 3rd in the most health coverage by race of 7 groups.


Smoking isn't factored into the cost at the individual level.  A smoker and a non-smoker pay the same price.
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« Reply #25 on: February 02, 2017, 12:12:38 pm »

Medicare does do something similar to what you are proposing.  This could work ObamaCare too although there are a number of privacy issues that I'm sure a lot of people wouldn't like.

Medicare Advantage plans (and I think Part D plans) are paid for by Medicare and sometimes the beneficiary also pays a premium to the plan.  The amount that Medicare pays the plan is based on the previous years claims data.  They mostly look at diagnosis codes so the plan is paid more for a person who has cancer or renal failure than a relatively healthy person.  The amount that beneficiary pays does not change based on this data.
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« Reply #26 on: February 02, 2017, 02:29:45 pm »

I've always been asked if I smoke or not when buying health/life insurance.    The only time it's not an issue is when it's paid for through work. 
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« Reply #27 on: February 02, 2017, 02:45:30 pm »

I believe that no longer happens with ObamaCare.
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« Reply #28 on: February 02, 2017, 09:37:43 pm »

But your premium isn't based on how many services you are using.  The risk adjustment process isn't taking into account the risk of each individual person.  Medical underwriting was eliminated under ObamaCare.

African Americans account for a higher percentage of heart disease and diabetes cases.   Should we charge them more?

Obviously, YES!
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