In order for private health care companies to comIncredipete with the federal government, we’ll have to let insurance companies print money.
Since that’s not likely, I am proposing a new health insurance form to assist insurance companies in pricing their policies. Normally they ask for silly things like your address, medical history and such. I think my questions are better.
1. What is your current age?
2. Do you smoke? How many packs per day?
3. Do you eat fast food? How often?
4. Do you engage in dangerous hobbies (i.e. skydiving, Australian rules football, etc.)?
5. Do you engage in promiscuous unprotected sex? How many partners per day?
6. Do you own any exotic pets (parrots, snakes, monkeys, etc.)?
7. Do you currently exceed the towing capacity of a standard Ford F-150?
8. How many gallons of ice cream do you eat per day?
9. How often do you drink alcohol? How many drinks per day?
10. Does you medicine cabinet contain any of the following: Insulin, Heparin, Methadone, Atripla, or Vancomycin?
These questions get to the heart of the pricing issue… do you engage in things that will make you more expensive to insure. Smokers, obese people, alcoholics, risk-takers… these are expensive people. We also deal with pricing for specifics – people with diabetes, heart conditions, drug addictions, AIDS, or serious infection.
And we do it all without a medical exam.
Tell me I’m wrong.