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Why do health insurance companies make smokers pay more but?

don't make obese people pay more? I am 21, 155 lbs and yes I do smoke. But I have a coworker who weights about 350 lbs and she pays 40 dollars less per month for her health insurance. One pack of cigarettes is equal to about 100 lbs more work on your heart, she weighs almost 200 lbs more than me so her risk for a heart attack is double. By why do I have to pay more? She's the one that has the bigger health risks!

   








Please help about car insurance?
Is Houston an awesome place to live? Are Groceries expensive, how about Car Insurance?
3.0 GPA car insurance discount?
Insurance rates: What would you guesstimate for a 23yr old Male?
Cars that have cheap insurance?
Monthly insurance for a Mustang?
Car Insurance - Do I have to pay it all at once?
If you are 17 and received your first ticket for 106 in a 75 ..what can you do to keep your insurance from increasing drastically?
Does anyone know where you can buy individual medical insurance? Epileptic reasons!?
What deductible should I get on my home insurance? ?
For insurance, will a total loss raise my future insurance rates more than a repair? Any idea by how much?
What is the best liability insurance for personal trainers?
My daughter was raped in her teachers home. Am i able to sue the home owners insurance for damages to her.?
Do you need motorcycle insurance in Florida?..?
How can I get US health insurance for my (non US residents) parents (in late 50's)?
What do I need before I get car insurance besides license?
To renegotiate or to cancel my whole life insurance ?
Suspending car insurance?
How can I reduce my speeding ticket fine?
Will my car insurance go down after having a child?
What could be the reason liberals say US citizens should be forced to buy health care insurance?
POLICY NUMBER ON INSURANCE CARD?!?
What's The Best Auto Insurance Company?
(UK) What does group 5 mean for car insurance?
How much would insurance cost for a 21 year old female in Texas for a 2014 Ford Mustang V6?
Have you ever gotten a car insurance quote online in Illinois?
SR-22 Insurance only exists in Washington state?!?
What is the penalty for driving without insurance on a motorbike, as i feel it was a genuine oversight?
What's the cheapest insurance for a used 50k miles 02 Mitsubishi Eclipse?
How much does liability insurance cost?
How expensive would insurance be for a 17 year old driving a Kia Sportage?
Are there any car insurance companies that don't use a social security # when determining your rates?
Teenage insurance?
Teenage insurance?
I just passed my driving test and got a license, do I need to pay for insurance if I'm driving my mom's car?
Home insurance for a home that was built 107 years ago...?
Have you ever added an additional driver to your car insurance?
How much should my car insurance raise....?
How do I legally drive home a just-bought used car (that obviously won't have insurance yet)?
Im 24 years old. How much will car insurance cost. Im female.?
Jason wants to buy a car. He has $2500 in his savings account. He also needs to pay $600 for insurance. How?
Are these expensive?
Can health insurance pay/cover for a medical expensive from a time where you were not on it?
Is A Mazda RX-8 a good car for teenager?
Affordable health insurance?
My friend has no car insurance..?
I need cheaper car insurance?
What would be insurance on this car?
HOW MUCH can my insurance rate rise up after hitting another car? backing up i hit the front right bumper/ligh
Need to find a cheap and reliable first car whats the best things to look for in a car?
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How much does it cost to replace the windshield on a 2003 Chevy Tracker?
I think my windshield need to be replaced, a small crack is spreading, I think its 20 in now, is it repairable or do I have to replace it? how much does it cost to replace it. If I do it through my insurance, will this change my premium? Thank you (I'm broke, if any one know a cheap place in Austin,TX to replace it, I would really appreciate it)"


What kind of vehicle would have the cheapest insurance?
I need to buy a new car, and have pretty high insurance. I was wondering what types of vehicles would have the cheapest insurance for a newer car (2000+)"


Who is the head of the Texas Department of Insurance?
I need to know who the head of the Texas Department of Insurance, whether he/she is elected by the public or appointed and if he/she is a republican or a democrat. General Contact information would also help."


"Looking in to new Auto Insurance, with country insurnace and financial services?"
My boyfriend and I live togeather and have three vehicles, a Mazda Car, Dodge Truck and Yahama Street Bike we both have insurance policys with State Farm and we both are very happy all our insurance policys are seperate The car in my name with my agent the truck in his name with his agent and the st. bike also in his name and then i have a renters insurance policy just in my name. when his work started a 401K with Country Insurance they met with us and went over alot of services they offer and they did up a quote for our auto insurances and renters insurance which put the Mazda and Dodge togeather and both our names on the street bike and renters insurance it was much cheaper then what we pay state farm and we were both very happy with the agent and felt we'd have a good relationship with her... I'm just curiose if anyone has had or has Country insurance for the auto insurance and if they are happy with them?"


A good company for term mortgage protection insurance with no medical check up?
I have term life insurance but also am looking at protecting my mortgage if I should die early, I am a male in good heath- and I do not want to get any kind of medical screening just to protect my mortgage...does anyone have a good company they can recommend?"


Is my fiat Coupe 16 Valve turbo going to be a classic?
Thanks for all the rust comments but Fiats have been Galvanised since 1989, they just do not rust like they used to. Certainly not as much as most makes of car. :-P"


Why are people comparing mandated health insurance to car insurance?
You are not forced to buy car insurance if you don't have a car. You have the right to not own a car. So why can't we have the right to not have health insurance??


The best Pet Insurance?
What is the best pet insurance provider for an English Bulldog puppy?


17 year old male car insurance?
Hi, I'm 17 year old male looking for car insurance - I know that the insurance is going to be expensive, but the cheapest I can find is just over 6000! It's for a 1 litre citroen C1, I don't live in a rough area or anything. What am I doing wrong? My friends are driving cars, and they're paying around 2000. I tried everything; pass plus, third party only, low annual mileage, high voluntary excess - what am I meant to do? I've tried all the price comparison websites.. Thanks for your help!"


What would be the insurance policy on a 2013 Mustang GT/CS?
Make believe it is the summer of 2014 and I just bought the stated car above. How much would a typical insurance go for a used Stang with around 7,000 miles in a small city(like Gainsville) go for?"


Why is it cheaper to get term life insurance as a business or through a business than as an individual?
It seems much more costly to buy direct as an individual than thru my company. Is my company getting a tax credit/discount? Should I form an LLC to get the same discounted value?


Why are my car insurance quotes so high?
I'm about to get my first car at 25, and thought I'd look at insurance quotes for a cheap little run-around to get me started. I have only just passed my test so expected quotes to be quite high, but so far haven't seen anything below 4000 for a year! I tried looking for a quote on a Renault 1996 Clio 1.2 Versailles. Thought that would be pretty cheap. From what I've heard, I should be looking around the 1k mark for a year. Any clues as to what I'm doing wrong?"


High school sports insurance Florida?
Here's what the FHSAA says. INSURANCE COVERAGE Each member school and approved nonmember school must purchase and maintain the following forms of insurance coverage: Athletic Medical Base Plan providing coverage to each student-athlete with minimum limits of $25,000 per individual for medical expenses. This coverage may be paid for by the school or offered to each student-athlete individually for purchase from an agency contracted by the school. The school is permitted to accept certification from the parents of a student-athlete that he/she has the required coverage through the familys health insurance plan. Regardless of the manner in which the coverage is provided, the principal of the school must certify that each and every student-athlete will have this coverage before he or she is permitted to take part in any form of interscholastic athletic activity. Athletic Catastrophic Accident Medical Plan providing no-fault coverage to each student-athlete with minimum limits of $1 "


Should an auto insurance co reveal policy limits to a ..claimant?
Should an auto insurance co reveal policy limits to a claimant?


Got my second speeding ticket will the insurance go up? do i need to go to court?
i recieved my first ticket this year in january. i went to traffic school and it got removed. so on friday i got a speeding ticket i was going 82 and the speed limit was 65. do i have to go to court? can i get it removed again? does it affect my insurance? i have ecompass insurance. im under my moms insurance is she going to find out? im 19.


Why do health insurance companies make smokers pay more but?
don't make obese people pay more? I am 21, 155 lbs and yes I do smoke. But I have a coworker who weights about 350 lbs and she pays 40 dollars less per month for her health insurance. One pack of cigarettes is equal to about 100 lbs more work on your heart, she weighs almost 200 lbs more than me so her risk for a heart attack is double. By why do I have to pay more? She's the one that has the bigger health risks!


Can i use my father's car insurance on my Car lease ?
How about if i finance the car with my credit instead of leasing it ?


How much auto insurance should I carry?
Is it true that depending on your net worth, you should get more or less auto insurance? I'm a college student so I only work part-time and only have a modest amount saved up. The value of my car is about $4000. Right now I have 50000/100000 for injury, 50000 property damage, and 50000/100000 for uninsured or under-insured motorists. I have no comprehensive or collision coverage. I can not afford those. But liability wise, am I good or would it be OK to buy less or should I buy more auto insurance? I am not on my mother's insurance policy because with her being in another state, and the car being garaged with me, it's not worth it and I'm not sure if it's possible"


Cluttered house - Will home insurance pay?
I walked into a house a few days ago to help clean up. The house is disgusting. Clutter everywhere, cat piss and **** all over the place, you cannot see the floor in some rooms. I almost threw up when I saw this. I am wondering if his home owners insurance will pay for repairs/damages to the house? It seems to be the only option, and I am wondering if the home owners insurance company simply say no"" and close the policy since it is not caused by environment/accidental or outside influences. Thanks."""


How much is motor trade insurance?
I know this is a bit of a vague question! I am 26, clean license, 1 years no claims and would be working from home buying and selling 5000-10000 cars. Any ideas or how much do you pay if your in the trade yourself? Cheers."


I am looking for an affordable DENTAL insurance...?
Okay.. so I am an 18 yr old college students.. who just so happens wants braces. My teeth aren't too bad but I just want braces so make my teeth look better. Since braces are very expensive I was thinking about maybe getting a dental insurance that will help me pay for my braces. Also, I want those braces that are either clear or that go inside your teeth and not outside (Not sure if its possible, but I've heard about em). What is the best plan and/or what type of insurance will work for me best. Anything helps.."


Ducati Motorcycle Insurance In Canada- Help!!?
Hey guys I have been looking too buy a Ducati monster 1100, I definitely like the bike and would love to own one. The only problem is I am having problems finding companies that insure them in Canada. Any ideas, I know that Gore and State-farm don't. :( I am looking for the best rate as well if possible."


Rental Car Accident Insurance Dispute?
My insurance agent/company made a mistake of paying them for whatever reasons. They made my life miserable now. They were telling me that they have to pay as the rental car is covered becoz of my regular policy and that they wanted to avoid any lawsuits by the rental company. Can I dispute is the small claims court? Or is there any other option(besides talking to my agent?


What are some low-income health insurance companies?
I am a 21 year old female residing in Ohio, and am looking for some health insurance, including dental if possible. What are some options that won't cost a whole lot for my minimum wage budget?"


How expensive would insurance be for a 17 year old driving a Kia Sportage?
I did some research and found that the Kia Sportage is one of the cheapest cars to insure. I was wondering how expensive would insurance for a 17 year old be if i was with my parents' insurance and have over a year of driving experience.


Is insurance required in north carolina?
if one had a car registered in georgia, he decided to pass through NORTH CAROLINA, the insurance expired, he gets pulled over. WHAT WOULD HAPPEN?"


Can i buy car insurance in another state?
I live in PA, but im currently staying in Iowa for another month. Just bought a car here with a temperary plate, and i was wondering if i can buy insurance here so i can drive this car around for a month, then ship it over and register it over there. Thanks!"


Do you need long term care insurance if you are already eligible for Medicare? What would be the point?
*correction: medicaid is what covers long term care not medicare.


Can i switch car insurance from one car to another?
i have a car with car insurance on it, but i am going to buy another car, and i want to take the car insurance off my old car and put it on my new one. is it possible and if so how do i go about doing it?"


I'm studying abroad in China next semester and want to know if I can add my friend to my car insurance?
Since I'm studying abroad, I have to find something to do with my my car. My friend is willing to take the car while I'm gone, but I've had some complications with my insurance. I spoke with my insurance rep, and she strongly discouraged me from adding my friend onto my policy. She said since my name was on title and on the off chance he had an accident, the person involved can go after the insurance as well as my future earnings. It seems really unlikely that someone could get that much money out of the insurance and continue to go after the car owner as well, but I'm concerned. Can I have my friend sign something that will state he will pay me back for the future earnings lost if they pursue me? If so, what kind of form and what needs to be stated? Will it hold up legally? I also thought of selling my friend the car for a dollar so his name would be on the title instead of mine; however, I have a 10 year accident free discount that knocks off over $200 in insurance a year and that would disappear if I ended my coverage. I would have my family take the car while I'm gone, but I don't have family in the area. I feel the best option would be to add my friend to my current coverage and have him sign something that states he will pay me back for future earnings if there is that kind of an accident. He is willing to do both, but I don't have any idea if there is such a form I can have him sign or if I should just type something up? Any advice or suggestions would be much appreciated! Thanks"


What is the process of an insurance claim on a single car accident?
When someone has a single car accident and there is no other vehicle or person's property that is damaged, how does a claim proceed, if the owner decides to file a claim? Say a car avoided a deer or object in the road and ends up in a ditch or blows a tire and hits a tree or such and the vehicle is still able to operate. Is a police report mandatory? Does the location have to be exact if this occured in a VERY rural location? What steps would an insurance co. take after being notified? Thanks."


Why do health insurance companies make smokers pay more but?
don't make obese people pay more? I am 21, 155 lbs and yes I do smoke. But I have a coworker who weights about 350 lbs and she pays 40 dollars less per month for her health insurance. One pack of cigarettes is equal to about 100 lbs more work on your heart, she weighs almost 200 lbs more than me so her risk for a heart attack is double. By why do I have to pay more? She's the one that has the bigger health risks!


Is there a way to find out if someone filed a claim on a home owners insurance policy?
I sold a home in 2003. The buyer is now suing me for non-disclosure of water damage and repairs"". The suit is for $7"


Cheapest insurance in Washington state ?
Cheapest insurance in Washington state ?


I cant find car insurance for under 3 grand. im 17?
Im 17,male. got my driving test in a couple of weeks. I already have a car but i cant find insurance anywhere for what i can afford! the cheapest ive found is about 2800. my car is a 1.1 peugeot 1997 106 xl independance. I got this model thinking it would be cheaper to insure because its alarmed, you have to enter a code before you can start the engine. i cant afford to pay almost 3 grand! im lookin to pay 1100-1200. the only way ive found this is if i put it as my mums car and me as a named driver but i know this would be fraud... ive been told the company quinn is cheap but i called them and they quoted me around 3400... my postcode is in the low catagory or a or whatever and the car will be parked on a drive! any ideas?"


Chances of a teen getting pulled over on the street for driving without a permit or license?
A 16 year old male who knows how to drive well, is driving in the middle of the day on regular streets to the mall, the gym, etc. No license, no L, no permit. The 16 year old can easily pass for 22, nobody would ever guess he was 16. What are the chances of him getting pulled over? This is not me if you're asking. I am just very curious. If this was in canada as well"


Does anyone know a Life Insurance Co. where we can get affordable insurance?
We are in need of Life Insurance but been having a problem getting excepted for my Husband. he had Life insurance from his work until last Jan. and they switched Companies and they dropped him . you see he has kidney disease and has had two tranplants plus he is a below knee amputee. the transplant was 12 years ago. and his checkups shows he is doing very well.. any Good Company names would be very helpful we have tried so many and gotten turned down or there premiums are so outragous we can't afford them.. thanks in advance..


"What would a typical home insurance payment be on a home valued at $60,000?"
My wife and I are looking to buy a home, but we want to find out what a typical home insurance payment looks like."


Is it wrong to TTC without having medical insurance?
no we don't make too much...and about affording the baby OF COURSE WE THINK ABOUT THAT! and yes we can! we could afford to furnish and decorate the whole baby room and the diapers and formula, I don't have to worry about daycare cause I work at one! is just the medical expenses I'm worried about, I know how expensive it can get, but if medicaid can cover that we're fine! I just dont want to stop ourselves from the joy of a baby just because of that!!!"


Where can I sign up for health insurance?
I have tried the phone and nothing and online I cant seem to find a website. So does anyone know where I can do it locally. Im located in north hollywood california. Or any help would be great thanks:)


My parents won't help me with car insurance... what should I do?
So basically I've been driving since I was 16 (I'm 18 now) and I gave my parents like $80 a month for a little bit and then we switched to $40 to help out with car insurance. Now they've stopped paying for it all together, and expect me to pay $250 a month. If I got a job, based on my friend's paycheck, I'd get about $400 a month after taxes. That means more than half of my paycheck would be going to car insurance for a car that isn't even mine. And they wonder why I don't want to get a job? My question I guess is should I be mad that they won't pay for it, or at least help me pay for it, or should I not? They are constantly reminding me about me being 18 now, and they say I basically am completely responsible for myself. I can understand that, but I don't understand how they think turning from 17 to 18 changes you from having 50% responsibility to 100%. I sound whiny, but this is an honest question. Should I be mad that they're not helping, or should I go it alone without any hesitation."


Double deductible on auto insurance?
My car was in two accidents in one day! The first, I was rear ended so hard I hit the car in front of me. The second, my cousin went to go pick up the car and was sideswiped. The insurance company deemed the car a total loss in both accidents. There is no documented evidence of which accident caused what damage but both accidents are total losses. If the first accident was a total loss, can the insurance company require a second deductible for the second accident if there is no collateral (the car was already a total loss)?"


Health Insurance Deductibles and Mental Health?
I am looking at getting insurance through health net. It says the medical deductible is $500. It also says that mental health outpatient services require prior authorization except for office visits (not sure what that means, does that mean that therapy sessions need to be authorized?). In this case, would I be paying out of pocket for the psychologist until I have paid $500 worth while also paying the monthly premium? Also, when applying through covered california does it check your credit to see if you are eligible? That seems strange. I have a very low income, but I did recently buy a car. Would that make it seem like I'm committing fraud? My income has also changed dramatically since last year. Would they base my eligibility for insurance based on last year or this year? Answers to any one of those questions is helpful. I've done hours of researching, but I just can't seem to grasp the whole thing here. Thanks!"


What are best term life insurance rates ? where can i find correct info?
what are best term life insurance rates ? where can i find correct info? can any one help me regard it


How to choose the right pet insurance?
I want to get my dog affordable insurance, to put her vaccines, checkups, etc. Wer not very rich, and I know its not right to think twice about your pet's health just to save a few extra dollars, but unfortanatly that's how tough the economy is now. So, is there any affordable pet insurance? Are there any websites that will match you with the right pet insurance? Here are soome facts about my dog, if it matters: Female 6 years old 9 lb. No diseases (That I know of...) Maltese mixed with poodle THANKS (:"


How much does insurance on a 2012 corvette for a 16 year old cost?
my mom will be getting it in her name, thank you very much."


What is the most affordable pet insurance that covers hip dysplasia (inherited diseases)?
I'm looking for an affordable pet insurance policy (for dogs) that covers inherited diseases such as hip dysplaisa. Any suggestions?


Why do health insurance companies make smokers pay more but?
don't make obese people pay more? I am 21, 155 lbs and yes I do smoke. But I have a coworker who weights about 350 lbs and she pays 40 dollars less per month for her health insurance. One pack of cigarettes is equal to about 100 lbs more work on your heart, she weighs almost 200 lbs more than me so her risk for a heart attack is double. By why do I have to pay more? She's the one that has the bigger health risks!