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0 pointsrsync9y ago0 comments

"I suppose it's a similar argument as answering the question "why shouldn't sicker people pay way higher insurance premiums instead of driving up the average cost"."

I don't think that is a good analogy ... many "sicker" people have played no role in their sickness which may not be related to behavior or decisions.

A better analogy would be: Why don't mountain climbers and scuba divers[1] pay higher insurance rates ?

I sort of think that they should, however I don't have a good answer as to what happens when an injured stunt skier is broke (and broken) ... do they get no medical care ?

[1] Or whatever - you get what I mean.

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2 comments · 2 top-level

hysterix9y ago

I know this was just a hypothetical question but as a scuba diver I actually pay for a completely separate insurance on top of my standard health plan called DAN insurance: http://www.diversalertnetwork.org/insurance/dive/

So stuff like a helicopter evac, access to a hyperbaric chamber and the ability to call a number and speak to a doctor who specializes in diving related illness means I already do pay more for insurance than someone who isn't a diver.

maherbeg9y ago

Doesn't this happen already with some classes though? Smokers vs non-smokers?

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