Where are you going to draw that line?
All that I would have the government do right now is to get out of the way. This only applies to the U.S., not the U.K. or Canada who have an NHS. I'm not an expert on government regulations, so I can't say what insurance companies are forbidden to do, right now. Thus, I don't know how high this slope is that we could slide down. For all I know, insurance companies already may discriminate against alcoholics. Insurance discrimination against the sexually promiscuous is not likely even under the most capitalistic system, because most people would be unwilling to let the insurance companies confirm information about their sex lives, regardless of, say, a ten percent discount in rates.
all this grand-scale obsession with the dangers of obesity feeds into a cultural demonization of "fat people" that is just loathsome ... Making fun of fat is pretty much the final frontier in "okay" derision and discrimination against a group of people.
I agree that demonizing fat people is loathsome, and I think that, in a very literal sense, that's what these government regulations are doing. They are making fat people the source of harm of slender people. I'm not claiming that the source of laughter and derision against the overweight is in the knowledge that they contribute to increased health insurance rates and decreased services for those without the problem. But I do believe it helps to justify their laughter and derision. I means that my overeating hurts you. My body becomes your concern because how I treat my body affects the level of medical treatment you will be able to receive for your insurance dollars.
Insurance companies cannot judge the inherent worth of different people or decide whether one person deserves better treatment than another. Doing so would require God-like powers, and would completely miss the point of having insurance companies in the first place. Their job is to protect us from the unforeseen problems. Most people receive much much less money from insurance companies than they ever pay in. So why don't they just put that money into a bank account and only use it for emergencies? The reason is that there's a small chance that some disaster occur, and it is better to give away a certain amount of money than to risk losing it all. Insurance wasn't designed to address the problem that some people are so disadvantaged, they cannot afford medical treatment at all, and, consequently, it does nothing for it.
That's a welfare question, really, and when it comes to those who are both indigent and overweight, I absolutely support non-discrimination based on weight. |