4 ms·
Long tail costs are things like freak car accidents, hail, etc. Reckless drivers should and are charged more because their costs are higher as a result of their
by ceeplusplus 4y ago
Long tail costs are things like freak car accidents, hail, etc. Reckless drivers should and are charged more because their costs are higher as a result of their own choices. Obese smokers should be charged more than healthy people but they're not because ACA says you can't discriminate based on pre-existing conditions. That means healthy people end up subsidizing lung cancer treatment, heart disease treatment, insulin, etc. for fat people.
edit: correction, ACA permits charging tobacco users extra. But not, for example, weed users.
- airstrike 4y agoOlder people do pay more for healthcare insurance…
- nybble41 4y agoYes, because age (like smoking) is one of the few factors ACA Marketplace plans can take into consideration. But healthy older people pay the same premiums as unhealthy older people, which means one of these two groups is being overcharged. Moreover, it means that there is less incentive (not none, but less) to make an effort to end up in the first group as it won't affect your health insurance costs.
- rabuse 4y agoI absolutely agree with charging people with poor lifestyle choices more for their healthcare. They cost more, so they should pay more.