Obese Smokers Insurance

November 18, 2011 by staff 

Obese Smokers Insurance, Smokers are already penalized by some employers and the next target is the obese, as the trend of more expensive health care offering fewer benefits has some employers looking for ways to cut costs.

Are you overweight? Chances are rising that you could be penalized for it with higher health insurance costs soon. And you could be asked to ‘volunteer’ for tests that measure cholesterol, blood pressure, even waistlines. Research by Towers Watson shows the trend of penalizing employees for certain behaviors, like smoking or even medical test results like cholesterol or blood pressure, will double next year.

UNO economist Walter Lane says he believes this trend is partly based on costanlysis, but also partly based on politics, saying “They’re doing it because they think they can get away with it. If they did some of the other things, the outcry would be stronger.” Lane says if it were simply a choice based on economics, there are other behaviors worth taking a look at, like alcohol use.

Towers Watson, a global professional services company, and the National Business Group on Health say, “To engage employees in health management programs, the number of companies using financial incentives and penalties for participation and measurable improvement to health is rapidly on the rise, according to a survey of 335 mid-size to large companies.”

According to their 2011/2012 Staying at Work survey, “the use of financial rewards in health management programs increased by 50% between 2009 and 2011. By 2012, four in five companies plan to offer some type of financial reward to individuals who participate in their health management programs.

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