Re:Life expectancy rise in rich countries slows down: took 3...
by nradov on Wednesday October 16, 2024 @12:30PM
(#41861023)
It's usually not the same amount. The Affordable Care Act (Obamacare) explicitly allows health plans to set premiums based on age and smoking status. However, this might not capture the full risk differential for some members.
There's a deeper philosophical question here about how we should spread risks and costs across society. Like should some plan members pay more because they have a history of cancer, or because they engage in risky activities like flying light airplanes?
Re:Life expectancy rise in rich countries slows down: took 3...
by pclmulqdq on Wednesday October 16, 2024 @04:49PM
(#41863719)
Ironically, two of his three factors are still able to be priced in: age and smoking status. Weight, gender, and many other risk factors are not, though.
https://www.cms.gov/marketplace/private-health-insurance/mar...
There's a deeper philosophical question here about how we should spread risks and costs across society. Like should some plan members pay more because they have a history of cancer, or because they engage in risky activities like flying light airplanes?