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The question is found on all health insurance applications as far as I'm aware -- "Have you used tobacco in the past 6 months". I'm under the impression that t
by adanto6840 8y ago
The question is found on all health insurance applications as far as I'm aware -- "Have you used tobacco in the past 6 months".
I'm under the impression that the question is not optional and that it's perfectly legal for insurers to price discriminate based on the answer to it (understandably and justifiably so IMO). I'm not sure, but I'd also assume that being dishonest when answering the question would technically put you at risk of having claims denied on that basis -- or, at the very least, having your rates raised retroactively since it presumably would indicate that you belong in a higher risk (and premium) pool...
Is my layman's understanding wrong?
- wolco 8y agoThe fact that these companies can discriminate based protected human attributes like age or gender doesn't make sense in this day and age.
- ciupicri 8y agoThe fact that you assume that age and gender don't make a difference in this age of big data, doesn't make sense.
- wolco 8y agoSo does race do we include that? So do other factors like politics. Should we say if you are black you should pay more? A trump fan gets to pay less until he leaves office. We create groups based on anything to assign costs to other people. Everyone should be paying the same general rate with personal factors like accident history, or tickets.
- cortexio 8y agorace: yes, politics: yes, black: no, trump: no