Low Health Insurance Rates for the Healthy?
A new health insurance plan will charge high-risk individuals more than healthy beneficiaries.
According to The Courier Post, new policies from United Healthcare will reward healthy people by charging them lower health care premiums.
Who's at risk for higher medical coverage rates?
The plan is meant to reward individuals who maintain good health. In order to receive a discount, members of the plan will take voluntary tests once a year to see if they meet blood pressure, cholesterol and height/weight goals, in addition to not smoking.
There's some controversy about this plan because some health advocates believe that these types of incentives turn health care into a police state. But supporters of the plan like that employees are held more responsible for managing health care costs.
High-risk members of the plan could end up paying as much as $2000 more per year than their healthier counterparts.
While we at the Insurance HQ agree with Jamie Court of the Foundation for Taxpayer & Consumer Rights who states, "You need to educate [people] and make it safe for them to seek medical treatment, without fear of financial penalties", we also advocate a healthy lifestyle.
Therefore, it may be a good idea for individuals and families who want to save money on health insurance to start thinking about how they can proactively manage their health care costs by managing their health.
According to The Courier Post, new policies from United Healthcare will reward healthy people by charging them lower health care premiums.
Who's at risk for higher medical coverage rates?
- overweight
- smokers
- high cholesterol
- high blood pressure
The plan is meant to reward individuals who maintain good health. In order to receive a discount, members of the plan will take voluntary tests once a year to see if they meet blood pressure, cholesterol and height/weight goals, in addition to not smoking.
There's some controversy about this plan because some health advocates believe that these types of incentives turn health care into a police state. But supporters of the plan like that employees are held more responsible for managing health care costs.
High-risk members of the plan could end up paying as much as $2000 more per year than their healthier counterparts.
While we at the Insurance HQ agree with Jamie Court of the Foundation for Taxpayer & Consumer Rights who states, "You need to educate [people] and make it safe for them to seek medical treatment, without fear of financial penalties", we also advocate a healthy lifestyle.
Therefore, it may be a good idea for individuals and families who want to save money on health insurance to start thinking about how they can proactively manage their health care costs by managing their health.
