For tomorrow you may pay the penalty
A few days ago a friend said that she thought people who
have
unhealthy life styles should not have their medical costs covered by
insurance. Health insurance rates are sky-high, and it is unfair that people
who live healthily have to pay for other people’s bad choices. While I see her
point, loud inner voices were clamoring against this point of view, so I
decided to check out some of the facts and look into the arguments for punitive
measures and against them.
The facts are
indeed shocking. Something like 20% of US health care costs are spent on
obesity-related problems. Alcohol abuse costs the US economy more than $200
billion a year. Tobacco, drug addiction and risky behavior all take a toll as
well, although smokers in the US apparently pay higher health insurance rates
than do non-smokers.
Most of these costs are paid for by society, not only in
high insurance premiums but also government health care and disability
benefits. These are only the direct costs, with time lost from work, prevention
campaigns etc. also adding up to hefty indirect expenditures.
In favor:
In light of these figures, it is understandable that there
are several arguments in favor of making people with unhealthy life styles pay
the costs of their choices. Lowering tariffs for the rest of the population is
the most obvious. In addition, one argument goes, knowing that they would be
out of pocket were they to end up in the doctor’s office or in hospital would
have a motivating effect on getting these people to live more healthily. Most
often encountered is the argument for moral individual responsibility. These
people living carelessly are doing something wrong and they should pay for it.
Against:
There are, surprisingly, more arguments on the other side,
i.e. that
everybody should be treated equally. Solidarity, for example, which
is of course the philosophy behind insurance. Then there is the question of
people who are addicted, who cannot be said to be choosing an unhealthy lifestyle, as do people engaging in risky
sports, for example. From the practical point of view, people who give up
unhealthy behaviors will probably live longer, thus costing society more in the
long run when they reach old age.
Social inequality is cited as a reason against making people
pay the costs of their unhealthy choices, for such costs would bite far more
heavily into the budgets of the poor than of the rich. This argument is applied
to the effect of indirect penalties such as higher cigarette taxes as well.
Addicts barely managing financially will have to choose between their drug and
having enough food, for example. For an addict, it is unlikely that higher
taxes will have the desired effect, in any case.
From the purely practical point of view, it is often
impossible to
prove that a particular individual’s medical problem stems from
bad lifestyle choices. One envisions doctors having to make difficult judgment
calls and court cases as a result, perhaps leading to the setting of arbitrary
limits, for example the number of cigarettes smoked per day that divide the
good from the bad. “Health police” would be a part of our vocabulary.
In thinking about “lifestyle choices” one sees a difference
between those that are unhealthy and those that are risky. For someone in the
ICU with concussion and multiple fractures after a parachuting accident,
cause and effect are pretty obvious. But should parachuting therefore be
classified as “risky behavior”? Boxing? Playing football or ice hockey? Bungee
jumping? Even here categorization is difficult and would end up being
judgmental.
It is perhaps just the judgmental, moralistic and socially
unfair attitudes that rub us the wrong way. Insurance, based on solidarity, has
been around for a long time and enjoys widespread acceptance. Perhaps we have
to realize that those who live riskily or unhealthily are apt to suffer physically,
mentally and emotionally at some point from their lifestyles, and that is
punishment enough.