|
I'm an insurance agent so some may consider my opinions slightly biases. That being said, Most of my sales are from supplemental products, namely a gap plan that is designed to fill the gap between rising deductables. From my 6 years of experience, the number one reason health insurance premiums rise is due to the risk factors of the groups employee's. And that makes sense, it works the same way with car insurance or homeowners insurance...if you don't live within so many feet of a fire hydrant then your premiums will be higher than someone who does. If you have several speeding tickets on your record your premiums will be higher. The same goes for health insurance. The higher the risk the higher the premiums. People need to take an initiative and start living healthier lifestyles. Some will say that the govn'thas no right to tell you how to live, and their right they don't. But it isn't fair for everyone to pay the same premiums when people are intentionally making themselves sick by not excercising or smoking or eating mcdonalds 3 times a day
|