When getting health care, do they factor your personal risks when determining the cost?
–Question by ._.personal care insurance
E.g., Person A is a smoker and a drinker, and clearly puts themself at huge risks for cancer later in life.
Person B, on the other hand, watches their weight, exercises, and does not smoke or drink.
Should Person Aand Person B have to pay the same amount for their health care? Why or why not?Also– if, by law, they can’t do this with health care (determine your risks), why are they allowed to do it with car insurance? Am I comparing apples to oranges, am I not? People who are higher risks must pay higher car insurance (specifically young male drivers), so shouldn’t that also apply to health care?
Best answer for When getting health care, do they fa
ctor your personal risks when determining the cost?:
Answer by Megan
Usually whengetting a health insurance quote, or filling out a form, you are asked questions about your health. What is your Body Mass Index, do you smoke, do you drink, how often, do you have any family history of illness, et cetera.
Questions that are asked are dependent on the insurance policy and how much coverage you’re willing to pay for. Women generally have fewer health problems than men, so just being a man might mean you’ll pay a little more for health insurance than women. Of course, health insurance that goes through your employer might have a static garnish amount so you might not have to worry about that at all, though it may determine your co-pay (how much you’ll owe after your insurance has paid its share).
Generally car insurance doesn’t really ask health questions, since they don’t cover health bills. They might ask if you smoke, or what gender you are, and your age, but that’s generally the extent of it. Mostly car insurance wants to know what you’re driving, and how likely you are to get into a car accident. Sports cars, or any two-door sedan, will have higher insurance premiums than four-door sedans because they are generally used for pleasure rather than simple transportation (whether that’s what you intend to use it for or not). Cars with higher mileage may have higher premiums.Even drivers under age 25 may have higher premiums because older drivers are typically safer and more cautious than younger ones. Women may have lower premiums.
Both insurances are typically concerned with whatever they’ll have to pay you for. If you’re more likely to make claims (poor health, or recent car accident history), you’ll have to pay a higher premium. However health insurance has very little interest in your driving history, and vice verse with car insurance and your health history.
If you’re asking about health-care costs, as in medical bills and not insurance, they do not factor in your personal information at all. Hospital procedures have flat rates or a mathematical formula that determines cost based on the care given, not how healthy your lifestyle is.
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