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Obesity Tax? (pg. 7)
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| ChemEnhanced |
| quote: | Originally posted by jerZ07002
apparently it means nothing because you're missing the point that the insurance company has to assess the cost of all their insured customers. to the extent the insurance company has a larger pool of claims, everyone's insurance premium increases. selling insurance doesn't exactly give you much credibility in explaining how actuarials determine the premiums.
Clearly fat people impose more costs on the insurance company. If fat people paid premiums that fully compensated insurance companies for the cost imposed on the company by the fat person, then it would make no sense for the fat person to get insurance.
I know it's based on potential. but in the case of fat people, the actual cost is usually greater than the potential determined for the premium pricing. that increase is offset by people who don't impose as great a cost on the insurance company. if you don't understand that you should probably just quit your job because then you suck at it! |
what you are not understanding is that even if you took the "fat cost" out of the equation...you would still be paying the same amount of insurance....unless you were paying the "fat cost" before.
I am assuming you are talking about personal insurance and not a company plan.
by the way...I don't sell insurance....I would definately suck at selling insurance. |
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| Silky Johnson |
| Well I was going to say "Fat Planet", but I thought that would be too far fetched. Oh wait. |
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| Halcyon+On+On |
| quote: | Originally posted by jennypie
Well I was going to say "Fat Planet", but I thought that would be too far fetched. Oh wait. |
Yeah, let's try to tone down the fantasy a little, please. This is a serious discussion on how to control behaviour on a massive level through excessive taxing, now cut the comedy.
>:| |
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| The17sss |
| quote: | Originally posted by jerZ07002
that might be the dumbest essay/article (whatever it is) written about the issue. People won't stop drinking all liquids because vending machines don't stock soda. that's just stupid. a more realistic result is that people will still buy soda because the difference is only about ten cents. a 20oz bottle of soda in midtown is already $1.75 in many stores. If an increase to 15% (which would bring the price up to $1.85) is too much for a drink then $1.75 is likely too much for that same person. although from the article i'm not sure if the tax will be 15% or 15% + the normal sales tax of 8.75% (23.75%). The article suggests a 23% tax, but that doesn't sound right.
the ability of some people to critically analyze the true consequences of these measures is unbelievable. |
I think you took that "thirsy" line a bit too literal... I believe the author was illustrating that they'd be thirsty for what they used to enjoy before this stupid nanny state tax got placed on it. |
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| bas |
| quote: | Originally posted by iclone
ben stiller would not insure a fat person. |
lol |
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| jerZ07002 |
| quote: | Originally posted by ChemEnhanced
what you are not understanding is that even if you took the "fat cost" out of the equation...you would still be paying the same amount of insurance....unless you were paying the "fat cost" before.
I am assuming you are talking about personal insurance and not a company plan. |
it doesn't matter, although in a company plan it is more apparent because everyone pays the same price. the real difference between a company plan and individual insurance is that in a company plan there is a defined pool of potential claims and the company incurs an associated costs. with personal insurance, there just isn't a sponsor, and the insurance company bears more risk associated with the potential claims.
with respect to personal insurance, while it's true that the insurance company has to impose higher premiums on the fat people, it is unlikely that the insurance company will recover their costs in the premiums. Why would a fat person with huge medical bills for diabetes medication, blood pressure medication, doctors bills, etc... get insurance coverage that was as costly as their medical costs? that would totally eliminate the purpose of getting insurance. for normal people, we get insurance to cover unforseen medical costs. to the extent we don't cost the insurance company because we didn't see a doctor, or get medication, our premiums go towards the profits of the company and covering the expenses of those customers that cost more than they paid. since fat people usually just get fatter, the insurance company doesn't always assess the risk of future costs, and they under charge their premiums. |
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| Silky Johnson |
| quote: | Originally posted by Halcyon+On+On
Yeah, let's try to tone down the fantasy a little, please. This is a serious discussion on how to control behaviour on a massive level through excessive taxing, now cut the comedy.
>:| |
I'm just happy we're all here together, hating on fat people. |
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| Zild |
| I think you should take that up with the insurance companies. Tell them you won't buy their service anymore because you are getting screwed by their business model. |
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| Silky Johnson |
| :haha: :haha: |
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| Halcyon+On+On |
You know, I'll bet there's at least one fat person posting in this thread right now, hoping we'll never figure out who they are or how much they weigh by intentionally overcompensating in their views...
*points* |
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| gehzumteufel |
| quote: | Originally posted by Zild
I think you should take that up with the insurance companies. Tell them you won't buy their service anymore because you are getting screwed by their business model. |
And then next thing you know, you owe 150k in hospital debt. |
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| Silky Johnson |
| quote: | Originally posted by Halcyon+On+On
You know, I'll bet there's at least one fat person posting in this thread right now, hoping we'll never figure out who they are or how much they weigh by intentionally overcompensating in their views...
*points* |
I think that goes without saying. Dummy. |
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