Motherfycker..

I said the same but in a much nicer way to you.

Do you have a job? Do you have healthcare? Have you filled out the form for your healthcare? There is a specific question you have to answer when doing so that asks about whether you use tobacco. If you answer "yes", your rates go up. Why do you think that is because according to your ridiculous logic, they should be charging smokers less? But what the fuck do I know because I am neither an actuary nor an oncologist.

Like I said before, you should definitely be a lobbyist for the tobacco industry.

Anyway, enough goofball back and forth time with you. Originally Posted by Lucas McCain

You don’t know what your talking about. Smokers almost always require less lifetime care because they die young. A smoker dead of a heart attack at 55 is far less of a financial strain than someone who lives to 100, the last 10 years in a memory care unit at $8000/month.

You don’t know what your talking about. Smokers almost always require less lifetime care because they die young. A smoker dead of a heart attack at 55 is far less of a financial strain than someone who lives to 100, the last 10 years in a memory care unit at $8000/month. Originally Posted by Jacuzzme

That's after a family's potential generational wealth is wiped out.

It’s the individual’s wealth, not the family’s, but that’s besides the point. Expense is expense, and somebody is paying the bill. Word to the wise; get long term care insurance while your young and lock it in for as long as possible. My aunt didn’t and now, in her early 90s, has dementia pretty bad. I burnt through about 100k she had in savings and had to sell the house for ~400. Hopefully that will be enough to get her through or, if we don’t want her to be a ward of the state, I’ll have to start paying myself.

It’s the individual’s wealth, not the family’s, but that’s besides the point. Expense is expense, and somebody is paying the bill. Word to the wise; get long term care insurance while your young and lock it in for as long as possible. My aunt didn’t and now, in her early 90s, has dementia pretty bad. I burnt through about 100k she had in savings and had to sell the house for ~400. Hopefully that will be enough to get her through or, if we don’t want her to be a ward of the state, I’ll have to start paying myself. Originally Posted by Jacuzzme

Alternately, move everything to a trust so that nothing belongs to you...that way your wealth is protected for your kids....

I said the same but in a much nicer way to you.

Do you have a job? Do you have healthcare? Have you filled out the form for your healthcare? There is a specific question you have to answer when doing so that asks about whether you use tobacco. If you answer "yes", your rates go up. Why do you think that is because according to your ridiculous logic, they should be charging smokers less? But what the fuck do I know because I am neither an actuary nor an oncologist.

Like I said before, you should definitely be a lobbyist for the tobacco industry.

Anyway, enough goofball back and forth time with you. Originally Posted by Lucas McCain

Health insurance premiums are based upon proximate risks. Dying of cancer when one is old does not show up in health care premium risk(that risk is paid for by the federal government, and hence, society as a whole).

Smoking is a proximate risk, and are therefore included in private insurance premiums. Progressive tactics almost always try to say that costs taken up by society are free. They are not.

As a final note, your point that insurance premiums account for smoking shows the perversion of your position. According to you, the costs are already paid for. Why the excess sin tax on the weak?

Because progressives can.