As an ex-smoker, and an ex 30 to 40 pound overweight guy, I have zero issues with making high risk people have to pay a higher premium, and I would have zero issue with it if I was asked to pay it. What I do have a problem with however is how BMI is calculated.
At 6'1 230 with a 34 inch waist, my BMI calculates at obese at 30, when in reality I am probably around 13-15% BFI, which is nowhere near obese. If you are thick and muscular, you are automatically considered obese based on the calculation they use.
If they were to have a user pay or penalty style system, I believe they would have to have you assessed by some sort of expert, along with blood work etc, as opposed to using a simple BMI calculation, like many insurance systems use.
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