Should insurance companies charge smokers?
Replies
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Would it be right for an employer to ban their employees from smoking, and treat cigarettes like they would any other drug like marijuana?
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I I also think it should be banned from any and all workplaces (make it a terminable offense).
So, are you saying that people should be fired for smoking in the work place, or for smoking period?
People have been fired for smoking
They take too many breaks and smell bad in meetings.
It's certainly with in a company's power to have rules against smoking at work, and to fire violators accordingly. However I'm wondering if the OP is suggesting that people should be fired for smoking on their own time, away from the work place.
Maybe, but your lunch breaks and time before you start work are also your own time. Even when you smoke at those times you'll still stink when you come back to the office. A lot of people tend to be repulsed by that.
Then we should also ban all perfumes and colognes because folks can be repulsed by that too. See how it works, one thing is taken away for the good of the people and the next thing that will be taken away will be something you hold dear and then what will you say then.0 -
I think insurance companies should charge anyone with an IQ below 110 or above 140...0
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I agree 1000%
I also they should charge extra for being:
fat
type 2 diabetics
motor cycle riders
sky diver
boat operator
drinker
private pilot
and any other thing that puts a person's life at risk including driving.
Its a person's right to smoke, its legal and for all you nice folks that want to push your will on u,s that do, I wish you would push your will up your anal orifice. Have a nice evening.
Well damn it, I can take this further, charge extra to:
Angry *kitten* (heart rate)
Heavy Equipment Operators
High Rise window washers
race Car drivers
Snorkelers
Military (danger!)
High Rise construction workers
Deep sea fisherman (the help)
Police man (dangerous job!)
Fireman (fires)
I'm getting tired...........0 -
insurance sucks.0
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HeII yes!Should insurance companies charge people who smoke MORE money?
What is dangerous about boating?0 -
HeII yes!Should insurance companies charge people who smoke MORE money?
You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets0 -
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HeII yes!Should insurance companies charge people who smoke MORE money?
You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets
Shouldnt that be folks who live near neighbors with guns should be charged more?0 -
HeII yes!Should insurance companies charge people who smoke MORE money?
You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets
how many people hunt every year? how many accidents are there? my guess it is a relatively low number and a rate increase isnt warrented. but you never know...0 -
HeII yes!Should insurance companies charge people who smoke MORE money?
You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets
How is that dangerous. I would wager my abilities to handle a firearm (including bullets) are statistically safer than majority of the populations driving abilities and the dangers of sharing a road with them.
Me shooting is not directly detrimental to my health (other's health maybe). Someone smoking can be directly related to the pathology they will suffer in the future.
For the sake of this argument however. Why not. Put every single activity on a risk scale and interview each insuree and determine their risk score. I would think handling firearms would be way low on the scale while smoking would be way high up there.0 -
HeII yes!Should insurance companies charge people who smoke MORE money?
You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets
Shouldnt that be folks who live near neighbors with guns should be charged more?
You bet, lets charge everyone more for insurance for everything they do, even sleeping0 -
HeII yes!Should insurance companies charge people who smoke MORE money?
You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets
Shouldnt that be folks who live near neighbors with guns should be charged more?
You bet, lets charge everyone more for insurance for everything they do, even sleeping
hey....insurance should be free!!! and everyone should have it. thats what you want right?0 -
I'm not a smoker but I say no.0
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HeII yes!Should insurance companies charge people who smoke MORE money?
You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets
How is that dangerous. I would wager my abilities to handle a firearm (including bullets) are statistically safer than majority of the populations driving abilities and the dangers of sharing a road with them.
Me shooting is not directly detrimental to my health (other's health maybe). Someone smoking can be directly related to the pathology they will suffer in the future.
It is detrimental to your health, it affects your hearing. BUT as you say, it could be detrimental to others so you should have liability insurance for that gun and bullets. See how it works, they come for one thing and then it continues to escalate.They want smoker's cigarettes for the health and safety of all people. They then want our guns for the health and safety of all people are you ready to turn yours in for the benefit of all? No I am sure you are like me and they can pry my cold dead hands...0 -
It is detrimental to your health, it affects your hearing. BUT as you say, it could be detrimental to others so you should have liability insurance for that gun and bullets. See how it works, they come for one thing and then it continues to escalate.They want smoker's cigarettes for the health and safety of all people. They then want our guns for the health and safety of all people are you ready to turn yours in for the benefit of all? No I am sure you are like me and they can pry my cold dead hands...
if Obama wants your guns he's going to take your guns.0 -
HeII yes!Should insurance companies charge people who smoke MORE money?
You would agree then that hunters should be charged higher insurance rates, do to them having guns and bullets
Shouldnt that be folks who live near neighbors with guns should be charged more?
You bet, lets charge everyone more for insurance for everything they do, even sleeping
hey....insurance should be free!!! and everyone should have it. thats what you want right?
No you are wrong as the day is long. I want people to stop treading on my rights and liberties including the fact it is LEGAL and I still have a right to smoke. That is what I want.0 -
So what happens if and when it becomes illegal in the future? Will you tread on the rights of those who don't smoke?0
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I am sure you are like me and they can pry my cold dead hands...
I will happily give my weapons up. However whoever comes to get them better bring an army cause I will take as many of them with me as I can before I hand them over.0 -
No you are wrong as the day is long. I want people to stop treading on my rights and liberties including the fact it is LEGAL and I still have a right to smoke. That is what I want.
so someone who is in a high risk job should pay the same as someone who is not for life insurance? that sounds like socialism to me. why are you promoting socialism/communism?0 -
if Obama wants your guns he's going to take your guns.
That may be the dumbest thing I've read in a long time. Who is going to show up on my door to take them? The cops? Most of them are friends, hunting buddies and fellow gun owners. They are not willing to give up their guns or take fellow gun owners weapons. The National Guard? They are the same cops and fellow sportsman I referred to above. The national military? Perhaps, but they will have a urban war on their hands.0 -
You know obesity costs more and kills more, right?
How about changing extra to - everyone - who doesn't fit into healthy parameters.0 -
So what happens if and when it becomes illegal in the future? Will you tread on the rights of those who don't smoke?
Do people that smoke marijuana which is illegal tread on your rights now? And if you answer is yes then please explain what right is being tread upon?0 -
if Obama wants your guns he's going to take your guns.
That may be the dumbest thing I've read in a long time. Who is going to show up on my door to take them? The cops? Most of them are friends, hunting buddies and fellow gun owners. They are not willing to give up their guns or take fellow gun owners weapons. The National Guard? They are the same cops and fellow sportsman I referred to above. The national military? Perhaps, but they will have a urban war on their hands.
it was a joke but i'll play. what if they outlawed a certain type of gun and there was no grandfather clause. what if after your refusal to turn them in they(ATF?) came to collect them...would you really die for those guns? or would you hand them over?0 -
My workplace does what they can to award us for being healthy. We get award points for getting physicals, quitting smoking, going to the dentist, exercising... things like that.
As far as insurance companies go... I do understand why they would want to charge more for those who smoke. But, then who's to say that overweight people shouldn't be charged as well? They're racking up the doctor fees just as much as a person who smokes.0 -
My workplace does what they can to award us for being healthy. We get award points for getting physicals, quitting smoking, going to the dentist, exercising... things like that.
As far as insurance companies go... I do understand why they would want to charge more for those who smoke. But, then who's to say that overweight people shouldn't be charged as well? They're racking up the doctor fees just as much as a person who smokes.
Professional athletes should be charged more as well due to the likelihood of injuries...0 -
No you are wrong as the day is long. I want people to stop treading on my rights and liberties including the fact it is LEGAL and I still have a right to smoke. That is what I want.
so someone who is in a high risk job should pay the same as someone who is not for life insurance? that sounds like socialism to me. why are you promoting socialism/communism?
Those are your words not mine. I do not want my liberties being trampled on by others that think they know what is best for me and other smokers. As far as life insurance, if you want to discuss that maybe another thread should be started and that topic be taken there.0 -
Yes. Next question.0
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You know obesity costs more and kills more, right?
How about changing extra to - everyone - who doesn't fit into healthy parameters.
The problem is there are in fact some legitimate genetic and health variables that can cause obesity. Smoking is just easy because it is an active bad choice.0 -
the answer to this post is obviously yes. life and health insurance companies do charge smokers more because smoking increases the chances of a person getting sick and dying sooner. as a former smoker i can say that smoking is one of the stupidest things a person can choose to do, and if you choose to do it you pretty much deserve all the consequences that are coming to you.0
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Those are your words not mine. I do not want my liberties being trampled on by others that think they know what is best for me and other smokers. As far as life insurance, if you want to discuss that maybe another thread should be started and that topic be taken there.
the theory holds for life or health insurance. you are saying a high risk individual(obese, smoker etc..) should pay the same as someone who doesnt have those factors. that screams socialism. treat everyone the same...everyone pays the same...
i dont want to be told what i can and cant do either but i understand that if i am doing something dangerous i should have to pay more. like if i rack up speeding tickets...i should pay more for car insurance right? or is that an area where everyone should pay the same no matter what as well.0
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