69 percent of American adults who are overweight or obese and 19 percent of us who smoke pay more for health insurance because of the associated risks. People with a body mass index of 30 or more considered obese pay an average 22 percent more for health insurance in the individual market, according to data (PDF) released this week by eHealthInsurance.com based on more than 0000 policies sold through the online brokerage in 2012.
Tobacco users pay a surcharge of 14 percent, while women who smoke pay more: an extra $ 44 per month on average, 22 percent more than nonsmokers
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price variation type is the most prominent people who buy medical policies on their own or for small businesses, because employers have broad categories of risks. In a company large enough balance fitness enthusiasts smokers. The good news for individuals and small businesses: 2013 are the years insurance companies can charge people more for those extra pounds. Reforms of the Affordable Care Act’s insurance market taking effect in 2014 to limit the factors underwriters may consider. Premiums may reflect the age of the insured, family size, geographic region, and smoking status. Insurers will still be allowed to charge as much as 50 percent more for a cigarette.
Businessweek.com Report – Small Business
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