Ernie S.
Diamond Member
- Nov 14, 2010
- 34,710
- 9,211
do you know how group policies work? or how insurance companies determine their premiums?
I do. You see, I don't have health insurance. I pay my bills myself, so I actually help hold down the cost of health care by paying more a bit more than ins. company negotiated rates and making up for freeloaders that get care without paying the bill. Get it?
not really. if a person takes a job, and that company includes a benefits package as additional compensation, and a bunch of their employees smoke, have additional health problems and run up the premiums for the company, what's that got to do with freeloaders?? or for that matter, your question was mainly about smokers and additional health costs. so what do freeloaders have to do with that question?
Go back a bit and read. In response to someone talking about taxes poor people pay, I pointed out that I pay those same taxes in addition to all the other taxes that the poor do not pay.
What the hell does the fact that I smoke a pack a day have to do with your group insurance premium. I'm not covered by it. I pay my health care costs out of pocket. Freeloaders do not. Hospitals have to cover costs to stay in business. I pay more to make up for those that don't pay at all.