I’m stuck watching silly news stations while killing myself on the treadmill at my gym. Sure, some of the hosts are fun to look at (Erin Burnett, preggo or not), but the palaver that spews makes my head spin. It’s like going to a football game–there’s nothing any fan can say to convert a fan for the other team. It’s a wasted effort, much like the political finger-pointing. So, we common folk sit back and watch our elected officials fatten their wallets while acting like children who don’t want to share.
Most of the dispute is around this thing dubbed Obamacare. From what I understand, it basically makes it so people who couldn’t normally afford health insurance can get it, with government subsidy. OK. Sounds nice. Sure, it’s going to cost the rest of us who can afford it, and that sucks a bit. But, I have a question:
Shouldn’t the price of health insurance be based on your health, not your age, gender, or income level?
All other insurance rates are set this way. Drive an expensive car, drive recklessly, and get lots of tickets, and you pay more for auto insurance. Live in an expensive home, with a dangerous trampoline, and keep a huge attack dog on premises instead of a security system, and you pay more for home insurance.
There’s a very simple solution to this health insurance problem, which would also go a long way toward moving people away from slow suicide (overeating, smoking, and not exercising).
Charge people based on their likelihood of needing medical treatment, which has little to do with age. Set a high monthly price, and offer discounts for proven fitness.
- Low body mass index.
- Healthy blood pressure level.
- Low cholesterol.
- Run a mile in under ten minutes.
- No cavities or significant tooth issues related to not flossing, etc.
- Gym membership with proven attendance.
- Not smoking.
- Taking vitamins.
- Having an annual heart scan showing low or no plaque or blockages.
- Being fixed. (Look, pregnancy is expensive.)
You want lower rates? Fine. Get healthier.
Sure, many people would throw fits about this–the unhealthy ones. They’d use excuses about genetic disposition and the cost or scarcity of healthy options. “Tough man-titties,” I say. “If you don’t care enough about yourself to do the things to extend you life, and keep your medical costs low, why should I care about you? You’re not helping the human experiment. You’re hurting it. Plus, if you have children, you’re fucking them up, and making things worse for the sustainability of our species. You’re going to need expensive exams, drugs, and procedures to keep you alive, when we’d all be better off if you died (nothing personal) because your genes aren’t worth passing on, and you’d cost us less.”
I’m not talking about Naziism or ethnic cleansing. All I’m saying is if it’s more expensive to keep unhealthy people alive, those people need to pay more to live. Making them pay more should encourage them to get healthier, just like raising car insurance rates motivates people to stop speeding, driving drunk, and doing other things likely to result in expensive repairs and claims. Call it Don’t-Be-a-Fat-Ass Care. Whatever. I don’t care.