Meaning higher risk groups are tiered at higher rates than lower risk. Would that not make insurance more affordable for average citizens? Maybe that would also incentivize people to lose weight, stop smoking, and just eat a healthier diet. I am generally healthy, see the doctor maybe once every few years, don't smoke, and am about the right weight. Should I pay the same premium as a fellow co-worker who sees the dr. every time he has a sniffle, is on multiple meds, is about 50 lbs. overweight, smokes, and brings Mcdonalds and a 44 oz. coke in every day for breakfast? His wife and his two children are quite overweight and his kids who are 9 and 13 are not into sports or activities, and sound like they play a lot of video games. Not sure if this idea is possible but it seems logical. Just throwin' it out there for debate.
Where I work it is the same for everyone. The only factor is how many family members are on your plan. I could see if you were shopping for private insurance how it could be that way, but for those of us who get it through their employers it may not be. Does anyone have discounts or surcharges depending on other factors through their employers? I remember once when I was younger that a company I worked for charged smokers $20 more than non-smokers.
+1
they are tiered already
groups are priced differently as risk is spread. If a group has a bad record, that's group's premiums increase
if you want to buy individual policies, everything you said already applies
hno:
