Health Insurance Rates

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.


  6 comments for “Health Insurance Rates

  1. Kamasue
    August 6, 2009 at 9:11 am

    You are wrong! (You told me to. :)) I actually agree. We are doing mandatory “physicals” (we call it the Nazi blood drive) here at HJ now to help cut costs. It sucks for those who never get physicals and it especially sucks for those of us who get one every year. But if it helps cut health care costs, then it is worth it. It’s worked for the Safeway Co. whose health care costs have flat lined as the rest of the businesses in this country costs have risen by 38% annually.

  2. August 6, 2009 at 11:11 am

    1. 49
    2. No/none
    3. Yes/not often
    4. Not any more
    5. No/none
    6. None
    7. Not even close
    8. I’m lactose intolerant, so, never
    9. Not right now due to illness/sometimes when not ill
    10. None of those listed

    So, *I’ve* been paying into the U.S. tax system for 28 years, where is MY healthcare now that I am involuntarily unemployed for the third time in three years? After all, I need medication in order to be fit enough to try to work …

  3. Incredipete
    August 6, 2009 at 11:15 am

    In my system, you’d get Medicare, DK.

  4. August 6, 2009 at 11:44 am

    1. 40
    2. no
    3. yes, maybe 2x a week
    4. no
    5. no
    6. no
    7. no
    8. .0000000001 (I have an occasional dish of ice cream)
    9. I have maybe 2-3 drinks per year.
    10. None, just Benadryl, Aleve, and cough syrup for the kids.

  5. August 6, 2009 at 1:33 pm


  6. livieloo
    August 10, 2009 at 8:05 am

    3.yes, about 4 times a week
    9.2-3 times a week. Sometimes all in one day sometimes spread out.

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