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Obamacare Will Cost Aging Smokers Big Bucks

January 28, 2013 by  

Obamacare Will Cost Aging Smokers Big Bucks
PHOTOS.COM

A little-discussed provision of President Barack Obama’s healthcare bill could allow insurers to charge American smokers premiums up to 50 percent higher than those paid by nonsmokers.

According to The Associated Press, beginning Jan. 1, insurers will have the option of charging older smokers additional insurance fees that would add thousands to their yearly health insurance costs. A 50-year-old smoker would likely pay nearly $4,250 in additional fees each year. At 60, the cost would rise to $5,100.

Younger smokers would also be subject to the additional costs but face less harsh penalties.

Workers who are covered under an employer health plan could avoid the penalties. But those who must purchase health insurance because of Obama’s individual mandate would be subject to the abusive penalties from insurers.

Obamacare disallows insurance companies to turn away people for being obese or having previously existing health problems. Some watchdog groups say that the high premiums for smokers will lead to many people in need of health insurance the most opting out because of budget constraints.

“If you are an insurer and there is a group of smokers you don’t want in your pool, the ones you really don’t want are the ones who have been smoking for 20 or 30 years,” Karen Pollitz, an expert on individual health insurance markets with the Kaiser Family Foundation told AP. “You would have the flexibility to discourage them.”

Some States are working on legislation to limit how much insurers are allowed to penalize aging smokers.

Sam Rolley

Staff writer Sam Rolley began a career in journalism working for a small town newspaper while seeking a B.A. in English. After learning about many of the biases present in most modern newsrooms, Rolley became determined to find a position in journalism that would allow him to combat the unsavory image that the news industry has gained. He is dedicated to seeking the truth and exposing the lies disseminated by the mainstream media at the behest of their corporate masters, special interest groups and information gatekeepers.

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  • eddie47d

    The same insurance companies still run the show and smokers for the the last twenty years or more have had to pay higher premiums on those policies. The same with life insurance.

  • Robert Smith

    “Barack Obama’s healthcare bill could allow insurers to charge American smokers premiums up to 50 percent higher than those paid by nonsmokers.”

    Risky behavior = higher premium. Teen-age drivers have felt this since insurance began.

    Isn’t the right always saying, “Take responsibility for your behavior?”

    Rob

    • Warrior

      You probably meant the teenage drivers parent’s.

    • Bill

      Robert,
      Your suggestions will have major opposition when they say that if you overweight, then you will pay more. Then they will make you pay more if you eat pizza, drink soda, take antacids,
      drink alcohol, like agressive sports and drive a car that goes faster than the speed limit. There is no end to this.

      I was in a public building once and there was a demonstration for Obamacare and 90% of the people were overweight. So, you want me to pay my taxpayer dollars to take care of someone who does not take any responsibility for their own health. The joke will be on them

      And you are promoting these policies. It is amazing how you are being duped by this scam because the bottom line is that it is all about the money

  • JustMe

    I have to agree with RSmith. When I was young my life insurance was incredibly expensive because I liked to ski dive. Bottom line is insurance companies are in business to make money. Thus more risk results in higher premiums.

  • Michael Colyer

    Robert you are very correct. The problem with this is the Risky Behavior is being imposed on Smokers but not on other forms of Risky Behavior. By this you allow Gov to control any Behavior they deam Risky. This is control by another name, and ask what Behavior will be next?

    • brett

      ah yes, it is all about gov’t control. like you haven’t already given up your free will by swallowing all the group think propaganda this site promotes.

  • Daveh234

    Health insurance already covers smokers at a higher rate. they will continue to do so or not cover at all. Nothing changed there.
    Poor argument.

  • Dave67

    I guess the right were only joking on the day they started taking about “personal responsibility”

    If you wish to smoke… do it… just be ready for the consequences for your actions.

    • Bill

      Dave67
      The same can be said for people that eat the wrong foods and are overweight

      • Dave67

        Yep, that is true… But smoking has no value whatsoever and everyone else around you gets to share in your habit whether they wish it or not.

        Then the smoker in making cases has the stones to say they have the right of way.

      • Bill

        Yes, Dave67, you are right

    • charlie

      Same goes for Lifestyles that promote STD’s, if you risk it, pay for it!

      • eddie47d

        Everyone has the Twinkie Defense or the Vodka Defense or the Buttered Popcorn Defense or the Big Gulp Defense. We are human and we are weak and we all need that 9 step program!

      • Robert Smith

        ” if you risk it, pay for it!”

        And if you can’t pay for it it gets spread around.

        I’d like to be around to see what you say to your kid when they come home with something.

        A major part of universal health care is PREVENTION.

        My guess, looking at what some around here say about vaccinations, is that they just ain’t gonna get it. Too bad. It hurts everyone.

        Rob

      • http://gravatar.com/bychoosing WTS/JAY

        Robert: My guess, looking at what some around here say about vaccinations, is that they just ain’t gonna get it. Too bad. It hurts everyone.

        How?

  • ibcamn

    King Obama has no right to tell me sheet!this has already been an over reach on his part,but to tell them/me in every little thing people have and let alone have to pay to smoke or because i’m a smoker,that’s BS!it’s been a load of crap from day one,first in gov’t places,private places,then if you rent you can’t smoke in your own place,then in whole towns,then in outside areas near private or gov’t places,next in your car/truck or even your own camper!it’s a total control thing by the progressives and people are letting them do it!!it’s [expletive deleted]

    • ibcamn

      AND FINALLY COMRADE,THE TOTAL UNITED STATES AND THEN CONTROL OF THE WORLD..oops,comrades,i mean,THIS NEW WORLD ORDER!!(place applause here)….sorry guys,i like to smoke and shoot my guns at the same time and i’m having a hard time with all this crap!it’s slowly creeping into every aspect of our lives and all the blind are letting it happen!

      • Robert Smith

        If you want to die rather than smoking, suffering with cancer, and costing us a bundle why don’t you just shoot yourself?

        Cigarettes are nothing but a slow form of suicide. That’s proven.

        Rob

  • Tberryjack

    Can’t blame harming others on just smokers, Those that drink Alcohol kill their share driving drunk, beating their families, destroying families and causing depression. The gov claim there’s not enough food on this earth to feed everyone, then those that are overweight I guess should be locked up and forced to be on a diet. It won’t be long that life & health insurance companies will charge you more if you own a gun because you are a threat to everyone, Auto Insurance companies are starting to watch what you do in your car with the car’s computers and will refuse to pay because they’ll always deem you responsible in most situations. It’s all about $$$ no one wants to make just a little profit they want ALL your money. Being FREE in America isn’t what it used to be, kinda makes you wonder if we’re really FREE anymore.

    • Robert Smith

      What can’t you do that you used to do?

      Rob

      • Gary L

        You used to be able to refuse buying a product without being fined for doing so.

      • Tberryjack

        You can’t just hire those that are best qualified for a job, because you have a quota to fill. You have to let groups join your group whether or not you want to because you can’t discriminate. Gun owners are facing more and more rules and laws. You can’t get a car inspected if the Check Engine is on even if nothing is wrong with the car, I know I had to let mine sit until the company hunted the problem and it was just a glitch in the computer. Can’t go down the road without your seatbelt on. They are changing laws for Churches, and they are trying to control what the Preacher can say, even IF it’s part of God’s teaching. They are controlling Businesses, and every American. Can’t ride a bike unless you have a helmet. Kids have to have knee pads and elbow pads and helmets for almost everything they do. If you’re caught with a pocket knife in your pocket they can get you for having a concealed weapon. Can’t spank your child or someone will turn you in saying you’re abusive, and I don’t mean beating the child like some kids used to get.
        Smokers used to be treated like people now they are treated like the scum of the earth. If second hand smoke was as bad as they say everyone in my generation would be gone because most everyone had a parent or family member that smoked a friend or someone in our life, and a bunch of us made it. Some places have laws now where you can’t smoke in your own yard because it bothers your neighbor, the smoke is so diluted out there that no on gets enough of your smoke to do any harm to them. Laws saying people can’t smoke in their own apartment due to neighbors saying the smell is seeping into their apartments. It’s idiots complaining because they don’t like the smell. There’s alot of people out there that stink that don’t smoke and a lot of them are the very ones that complain. You ask what you can’t do, you must not be in your 50s or 60s because if you were you wouldn’t ask such a stupid question. Some people have “Housing Authorities” to tell you what you can do in your own yard. Can’t build a workshop in your own back yard without getting a permit. Fishing in the Ocean used to be free now you have to have a license. You have to let anyone rent from you even if you don’t want to. Restraunts have to serve anyone even if they don’t want to. You better watch what you say, someone will take offense. Popeye, The Roadrunner and many more cartoons were said to be to violent so they took them off TV so children can’t watch them, but look at all the video games, songs on the radio, almost every TV program and every movie. There are Rules and Laws for every walk of life in every area of America that wasn’t around back when I was younger and they are adding more every day. I could go on and on, but there’s no use, if you don’t know how free everyone used to feel here in America and it’s not that way anymore. We need rules and laws but most of them now are BS.

  • gdamifino

    I have all ways wondered if these “socialists” and so called warriors for the “commen good” would hold there breath just a little bit longer when riding in cars,busses or cabs. If they are true to “The Cause” I think they should not breathe any contaminated air and hold their air just a little longer

  • Guy Waukcinebar

    Insurance companies are not in business to lose money, and we would not like the results if they did. If some states limit the premium amount that insurers are allowed to charge smokers, then their unhealthy lifestyle will have to be subsidized by the non-smokers by raising their rates. Free stuff is never really free.

  • Steve E

    All you got to do under Obamacare is don’t buy insurance until you get sick, and then get it when you do and then stop paying the premiums after you are well. That’s what I going to do. I don’t have any income so there is not anything they can do if I have to pay the fine. Thanks for the freebee everyone.

  • Bob666

    So what is the differance between Obama Care and Isurance as we have always know it? have we heard the term personal responsibility?

    • http://gravatar.com/bychoosing WTS/JAY

      One major difference. With private insurance, i don’t have to pay for every Tom, Dick and Harry who are too irresponsible to get their own! As with Obama’s death-care, not only are tax-payers forced to pay for the dead-beats, not to mention, the cost of setting-up a huge database, with floor after floor of cubicle after cubicle for thousands of employees with permanent jobs, payroll, parking and dry cleaning bills, (a government jobs program all by itself) but in addition, tax-payers have to pick up the tab for the dead-beats; you know, the 47%. I’m beginning to think that it’s really not about health-care, but about producing those jobs “jug-ears” has been trumpeting about. Between Obama’s death-care and the proposed gun-registry, the colossal welfare-system, and the corruption in Washington, the country will be nothing short of bankrupt, decimated and relegated to a banana-republic. Mission accomplished, as G. Bush would say!

  • http://midcontent ridge runner

    Any thing the socialist/communist democrats and their muslim marxist leader say , it is non stop lies and plain BS. Remember the BS about only taxing the rich, Jan 2 brought a rude awaking for paycheck earners, everyone got hosed big time. That is except for the Congress and the muslim marxist , all who are millionaires or even multi millionares. Damn forgot these s–tbirds write the laws and rules for taxation, and they never pay their fair share. Call all the leeches will never give an honest answer.

    • MiddleMan

      “Muslim Marxist leader”? Seriously?!? Do you also believe The Tooth Fairy, The Easter Bunny, and Santa Clause are real, because someone told you they are? Geez!

  • MiddleMan

    Smoking kills. The scientific studies prove it. You have the right to choose how you want to affect your own health through bad choices.

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