Friday, 25 January 2013

"Millions of smokers could be priced out of health insurance because of tobacco penalties in President Barack Obama's health care law..."

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"... according to experts who are just now teasing out the potential impact of a little-noted provision in the massive legislation."
The Affordable Care Act... allows health insurers to charge smokers buying individual policies up to 50 percent higher premiums starting next Jan. 1.

For a 55-year-old smoker, the penalty could reach nearly $4,250 a year. A 60-year-old could wind up paying nearly $5,100 on top of premiums.

Younger smokers could be charged lower penalties under rules proposed last fall by the Obama administration. But older smokers could face a heavy hit on their household budgets at a time in life when smoking-related illnesses tend to emerge.
I got there via the Isthmus forum, where Meade wrote:
Does that really make sense? Shouldn't it be reversed? Charge higher penalties/taxes to younger smokers as they will potentially have more years to cost society in lost production and "free" health care.

Charge older retired or retiring smokers lower penalties/taxes, encourage them to keep smoking and die sooner. After all, at their age, the older smokers are no longer contributing. The sooner they die, the less they cost the rest of us.
What are the voluntary activities that create the greatest risks for costing the insurance pool money? Why pick on smokers alone? To get the variable premiums concept started, because we're already into burdening smokers? By the way, "Among Americans, Smoking Decreases as Income Increases/Gradual pattern is consistent across eight earnings brackets." The least well-off people are hit hardest! But — what the hell? — kick the smokers now, and later we can tweak the system and raise the premiums for people who.... well, who would you like to hurt/nudge? How about the fat? Weigh in every year and get your premiums adjusted accordingly, scientifically. Here's a BMI calculator. Maybe we should charge you $1,000 a year in added premiums for every point above the "normal" range.

Where will this smoker premium surcharge lead?
  
pollcode.com free polls 
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Thursday, 24 January 2013

Hey, kids, here's a way to have fun in your American history class...

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... if you've got a teacher who admires Hillary Clinton. Whatever the lesson of the day is, raise your hand, and when you're called on, throw your hands in the air and cry out: "What difference at this point does it make?!"

I like the way Meade puts it over at the Isthmus forum:
What difference, at this point, does it make?

2007 troop surge in Iraq?... What difference, at this point, does it make?

Yellowcake uranium in Niger?... What difference, at this point, does it make?

Asking for a Florida recount in only select counties instead of statewide?...What difference, at this point, does it make?



Claiming weapons of mass destruction as a reason for using military force?... What difference, at this point, does it make?

Having sexual relations with that woman?... What difference, at this point, does it make?

Trading arms for hostages?... What difference, at this point, does it make?

Allowing the Shah of Iran into the United States to undergo surgical treatment at the New York–Weill Cornell Medical Hospital?... What difference, at this point, does it make?

Covering up a third-rate burglary?... What difference, at this point, does it make?

Lying to Congress and the American people about an incident in the Gulf of Tonkin in order to escalate military involvement in Vietnam?... What difference, at this point, does it make?

Ordering an invasion of the Bay of Pigs?... What difference, at this point, does it make?

Bombardment of Fort Sumter?... What difference, at this point, does it make?

Allowing slavery to continue in the Louisiana Territory ?... What difference, at this point, does it make?

Destruction of tea belonging to the East India Company?... What difference, at this point, does it make?
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