How about women that keep spitting out babies ? It has had significant effects on obesity throughj dirt control in schools, Tougher laws on DWI are certainly needed, too. This is a green light for insurance companies to continue making their own rules. Use whatever they have on hand as weights. Grateful patient fundraising programs, as they are known, employ a strategy in which hospitals seek donations from satisfied patients, often using public data to identify those who are wealthy and requiring their physicians to discuss giving opportunities with them. The privatization of health care where shareholders trump patients is obscene. It is a shame what american society has come to with everyone making an excuse for overweight people. The potential unintended consequences of the Affordable Care Act are unsettling enough, but even without the ACA, employers have been stung by soaring increases in health insurance premiums. Hopefully these penalties will get these overindulgent people to quit their bad habits and lead healthier lives thus live longer. The fact for both of these groups is that their problems are self induced. Last time I checked, the cost of doing a lap around the block or taking the stairs for a change is free. If you do this let's include ALL the circumstances that can shorten life or cause one to need health care. Many studies have shown that smokers cost the health care system more and that they cost health insurers more. Note they wouldn't pay more for health care but health care insurance. Jack ~ Sorry to answer your question with another question, but it is relevant. If your home is large, on a beach, in an earthquake or hurricane zone you pay more. States, however, can set their own rules to reduce or eliminate that surcharge, and 10 so far have chosen to do so. It's no secret that quitting cigarettes isn't as easy as not lighting up. Regeneron CEO & CSO: The Real Healthcare Problem Is Bigger Than You Think, Pfizer CEO: How The Biopharmaceutical Industry Creates Value (And Jobs) For The U.S. Economy, Gradual Progress In Precision Non-Oncology, But Challenges Persist, Amid Executive Shuffle, Anthem Looks To Expand Health Services, 'Forest Bathing' Really May Be Good For Health, Study Finds, Not Fun In The Sun: Summer Infections From Animals, Insurers To Trump: Suspending Payments For 'High-Need Patients' Roils Market, CDC: Over 200 Ill From Parasite Outbreak, Del Monte Recalls Vegetable Trays. There's my point. why are "the poor" smoking anyway? Insurence companies need to put people ahead of massive profits. does this. But, that's a crummy example to set for the vast majority of us who don't. Become part of a like-minded community. Compensation may impact where the Sponsors appear on this website (including the order in which they appear). Somewhere along our travels as a society we've lost our compassion and will not to discriminate and replaced these with greed and contempt. However, until we do the same for alcoholics and drug users, it is unconstitutional. A disproportionate number of tobacco users, particularly smokers, are racial minorities and come from low-income and less-educated households, according to the American Cancer Society. You'll be able to breathe better. If those at a higher risk paid more for health cover, it would theoretically reduce the cost for other people. As a reformed smoker it was hard to quit, but I now save a ton of money by not smoking at 10 bucks a pack. As well as those who are too thin. The health insurance industry unexpectedly began to support a plan for universal health insurance for American citizens. More importantly, for the purposes of this post, when surcharges arose in 2014, there was a pretty steep decline in the percent of smokers who purchased insurance. And the fat cat CEO's should go on a compensation diet so that more of the money they collect in premiums goes to heath care. How Long Should Myeloma Patients Continue Lenalidomide After AutoSCT. for charging me more for healthcare. Cost (the biggest problem with health insurance) might go down (or the insurance companies might just take bigger profits!) His trial work has involved virtually all areas of labor and employment practice, including employment discrimination, harassment, wage and hour, wrongful discharge, FMLA, public accommodation under the ADA and labor litigation. People who drink too much alcohol? Why should those who have healthy habits subsidise them? And while we're at it let's throw in really tall people because you never see any really old really tall people around; and drivers too, because automobile accidents kill more people than just about anything else, don't they? The most obviou and clearest cases of physical abuse by a person on themselves should cost the perpetrator. Why should people who make an effort to stay healthy be penalized when people who are willingly and knowingly partaking in detrimental activities pay the same amount. But is this plan moral? Another tax on the poor and middle class in terms of a health insurance "surtax" will not fix the problem. Our websites do not, and are not intended to, provide a comprehensive list of all companies that may provide the products and services you are seeking. Would you ride in a car that drives itself? What Scrub Color Should Surgeons Probably Avoid? Clearly, more research is needed on the relationship between financial incentives and smoking cessation. This is a long term problem that will take 50 years to correct in our society and it begins in the classroom when children our young with mandatory daily courses in health and physical education. Or, in this case a kick in the wallet. A massive wave of Covid infections has begun now that China has ended much of its zero Covid policy. As we will see, too, the harmful effect of these behaviors are not just medically related. Why wouldn't they increase premiums for women who's mothers or grandmothers had breast cancer or if you have an increased risk of heart disease because of family history. Drone Boats: Inside the U.S. Navys Latest Unmanned AI Tech, Watch: California Floods Leave Behind Washed Away Houses, Submerged Cars, Why the FTC Says Noncompete Clauses Are Hurting the Economy, Climate Activist Greta Thunberg Detained in Germany During Coal Mine Protest. Generally speaking, healthcare costs are higher for smokers, and they often have higher rates of absences. Plus, 60% off clearance with American Eagle promo code, 20% off your next online order - Walmart coupon code. When you quit smoking, you can effectively reverse some of its effects on your health. No one, not even the near dead, should pay MORE to these vultures. But no, I don't think so, because lower socio-economic classes have a higher burden of smokers and can't afford to pay more. Reddit and its partners use cookies and similar technologies to provide you with a better experience. There are excellent intentions behind this policy smoking is the number one preventable cause of death and smokers disproportionately incur health care costs due to the debilitating diseases that result from the habit. ABSOLUTELY! Last week, Dallas County in Texas joined the growing ranks of employers that charge employees who smoke a higher monthly health insurance premium than employees who don't light up. Hell no. Fiscal cliff = Thelma & Louise? Othersrebutted that suntanning, eating junk food and drinking alcohol also count as voluntary bad habits that can negatively impact on health. After a string of violent crimes involving mentally ill people who are homeless, New York City Mayor Eric Adams announced a plan for police and emergency medical workers to involuntarily remove people with severe mental illness from the streets and bring them to hospitals for psychiatric evaluation. charge higher insurance premiums to employees who smoke, and some companies refuse to hire smokers. Proponents for smokers also argue that as the less affluent, less educated are more likely to smoke and to not participate in smoke cessation programs, imposing a differential has a disproportionate adverse impact, which may amount to racial or national origin discrimination. Maybe we can answer this by expanding your question: what if a person is an alcoholic? Smoking tobacco increases your risk of heart disease, lung disease, and other health problems. Come on, being fat and being a smoker are BOTH addictions and choices, just like a drug addict. That translates into $1,250 per household, mostly in taxes and insurance premiums. is this what we want to teach our kids? What do the smokers think? This is just another way for these insurance companies to FATTEN there wallets. Pepperell, MA. Poor people can afford this expensive health hazard luxury? People who use more healthcare resources because of a poor lifestyle choice such as smoking or poor diet should pay more. There are health issue associated with those folks as well. We should not discourage smokers from getting insurance. Good luck in getting that bit of reality dealt with. Genetic factors can also increase health risks, but genetic discrimination in employment and insurance is illegal in the U.S. and many countries. Should Texas be allowed to secede from the union? The key difference between life insurance for smokers and non-smokers is the likelihood of being accepted and the cost. Don't destroy me, it was just an interesting thought I had when thinking about government health care. Penalties include higher insurance premiums and deductibles for those who aren't participating in the company's health programs and those engaged in risky health behavior, like smoking. When they get their habits under control then their premiums could also be lowered. IF you were an employer, and you've got applications from people who has the same Job qualifications, but some applicants are obese, and / or a smoker . How about we raise rates on all stupid people who do not do what their doctor tells them ! (As usual, check state and local laws to be sure.) Working-age Americans are not legally required to purchase health insurance. It does not store any personal data. Community rating is there to protect people who, through no fault of their own, through things they cant control like their age, that theyre not penalised, NIB Managing Director Mark Fitzgibbonsaid at the time. came here to say this, and I agree. Jack, I understand your question but how can anyone afford to pay more for Health Care? What do people claim they do but in reality they dont? It's not that is it unfair but you need to be responsible. It is only fair that those who have negative behavior pay more for their health care. However, this smoking surcharge makes the crucial assumption that continuing to smoke is a choice. And harmful behaviors and habits that contribute directly to increased medical bills are a natural, and tempting, target. One other aspect of having smokers on the workforce is cost. If we want smokers to reimburse the rest of us for the cost of their habit, we should stick with tobacco taxes, a policy that reduces smoking rates without having any direct effect on peoples decisions to purchase health insurance. Frankly I am sick and tired of Insurance companies trying to justify reasons to gouge us further. Sure, many would prefer to have juice and bottled water insetad of soda, organic fruits & vegetables instead of cookies and chips, and gym memberships instead of sitting behind a TV or video game console but many just cannot afford it. as for smokers , they no wht will happen to them.. an tht question should been broader n liittle mre respected. However, she says, as long as the program is correctly implemented and complies with federal and state laws, employers should have no concerns. But this is not true. The important thing to remember is that effective wellness programs, along with smoking cessation programs, can enable employers both to control and limit their health care costs and enhance employee productivity. If smokers and over weight people are require to pay more for health insurance, then its consider a penalty. Is any one of us perfect. Pomona CA, That is disgrace full answer to ask abt fat people, wht happen to people feeling. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. Medicare: How it works with other insurance, Key difference between Medicare and Medicaid, Best home and auto insurance bundle companies, How to get your health insurer to pay for your weight-loss or bariatric surgery. Of course anyone that eats fast food, or any fried or unhealthy food would need to pay more. Of those people, two thirds agreed that people who smoke should have to pay higher premiums than non-smokers. Why should we pay for other people's liabilities? I am 54 but I am as healthy as a 21 year old! If a union is in the picture, a differential would probably be a mandatory subject of bargaining. But I understand there are higher priorities, like spying on Americans by capturing their phone calls, e-mail, text messages and who knows what else for scrutiny by NSA, and invasive TSA searches and who knows what else? Ms Ley also dismissed claims obese people and smokers could pay more for their private health insurance, but defended the government's right to ask "tough questions" about it given the private health insurance rebate cost it over $6 billion a year. the reward is no more than 20 percent of the total premium; the program is reasonably designed to promote health and prevent disease; eligible employees must be given an opportunity to qualify for the reward at least once per year; and. One recent survey shows the use of penalties is expected to climb next year to include almost 40% of large and medium-sized companies. And people who drive more than others, people who work 3 jobs, people who don't work enough, people who drink too much, those that don't drink enough. They are considered high risks. The Netherlands still has 3.1 million smokers, of whom 465,000 smoke more than 20 cigarettes a day. Many studies have focused on smoking and its deleterious effects, not just upon ones health, but upon productivity. But unfortunately it is not popular across the country if govt. Smokers are more likely to wind up in hospital as a direct result of their smoking habit; in fact, an estimated 19,000 Australians die each year as a result of smoking. Why would anybody else have to pay for my poor choices? Health insurers in Germany have conducted studies which have shown that smokers die younger than non-smokers. Thus, in the name of anti-discrimination (tobacco lobby) and ensuring access for the poor (the anti-cancer groups). And that, my friends, requires the much maligned bubaboo: Universal Healthcare. Hey Jack- These people should probably pay more but YOU should pay more attention to the words you use. These include, but are not limited to: man buns and beards; whether jam or cream goes first on a scone; the colour of The Dress; and smoking. I applaud the fantastic efforts of Michelle Obama in this regard as we strive to make healthier foods and exercise a part of our daily routine for children. Why not if your bad habit increases your health care costs. Comments are moderated before they are published. Let's take smokers. Once people feel it in the wallet/pocketbook,. Anyone that does any dangerous activities, also. But I am willing to compromise. As a person who is living large, I can tell you that I don't have high blood pressure, I don't have diabetes, my knees and back are fine. Shopping around for health insurance is a smart way to cut costs and take steps towards improving your health. All Rights Reserved. Jack.you've just described 50% of America !!! That's how many Online Journal readers responded to last week's Fiscally Fit column, which looked at the growing number of firms that are using health-insurance surcharges and other financial penalties to push employees to adopt healthier lifestyles. There are several objections to this argument. Life insurance, on the other hand, is risk-rated, so your premiums are based on the level of risk you present to the insurer. I have always thought it odd that smokers are so shunned, at least in part because of the health problems and costs they bring, while the wilfully overweight are victims of the fast food industry. If I take up smoking or get fat, I'm applying for a government job. In a recent issue of Narrative Inquiry in Bioethics, 12 physicians discuss their experiences with grateful patient fundraising and take up legal and ethical issues. Let's give people who smoke free tobacco-company-paid health insurance. For overweight people, it depends on case by case! We need a socialized medicine system like the rest of the modern world. On the Ground, Its More Complicated. Private health insurance for smokers - Do they pay more? Now with that said, if such a system is forced down my throat should Smokers Pay more taxes for healthcare? I run and workout quite a bit and in physical shape, but according to Body Mass Index, I'm considered obese. Every month, you calculate what you might have spent on health insurance had the individual been a smoker or obese and give them half. And all program materials must disclose the availability of the alternative. According to the utilitarian argument, charging smokers more will encourage them to quit, which will improve public health and reduce societys smoking-related costs. They will save a fortune if they quit buying cigarettes. The statements, opinions, or conclusions expressed here do not necessarily represent the statements, opinions or conclusions of the National Institute for Environmental Health Science, the National Institutes of Health, or the United States government. When insurance companies price smokers out of their products, we all pay. Another thing to keep in mind: although smoking does not affect your health insurance premiums at the moment, it is possible that the rules could change in future. Without a doubt they should be paying more. Let me get this straight, "the not poor" buy "the poor" food, while "the poor" buy cigarettes. Look, this isn't about alienating people or being mean for being mean's sake. 6."Health Insurance Surcharges for Tobacco Users: State and Federal Rules." Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days. They do not live as long and even getting treatment for those conditions is no fun. The fact is we can all blame genetics for one thing or the other. This website uses cookies to improve your experience while you navigate through the website. Directionally people need to be responsible for their choices. Now, you can check in with Jack online to see what he's thinking and weigh in with your own comments online and on TV. Heres where the tobacco surcharge runs into problems. If you are knowingly putting your health at risk you should be forced to pay more for your insurance. Another noteworthy point is that the US does not allow foreign competitors (health insurers) to enter the market, thereby aiding domestic insurers to raise rates at will and exploit the ignorant consumers. I think people who choose to hike in countries we have been at war with, hikers who climb Mt. A complete guide to short-term health insurance. If you drive an expensive or exotic car you pay more for insurance. I am sorry but if you are overweight or a tobacco user you are going to incur a greater risk and have a greater chance of needing insurance to cover costs. While legal concerns exist, there are compelling reasons to implement a differential for smokers. As word spreads what the changes. Australia: We saved our average customer $320* on their average annual premium! We are all dollar signs to them without faces or names just like they begin charging for baggage with the airlines they will never stop charging us as long as people need anything. No need to play big brother by charging people more for health insurance. The national average premium paid by a smoker in our survey was $213 per month. Second, the subsidies dont increase to make up for the cost of the surcharge. We could be next in line just so because we are short. People that are overweight also are electing to be overweight. I believe in following the Doctors instructions to the letter. Adult film star Ron Jeremy found unable to stand trial for rape Secondly fat people don't stay fat because they are starving. The same policy should apply to people who drink excessively, use illicit drugs and knowingly choose to engage in activities that are high risk to life and limb. No you see the importance of everyone being required to have insurance, be it public or private. At the same time, skinny non-smokers should pay half. Should auto insurance favor safe drivers with discounts? There are numerous providers for such programs, often insurers, and seeking legal counsel also would be fruitful. I'm glad that's being done, personally. Read Grateful Patient Fundraising: Ethically Problematic or Altruistic? Fair is fair! Press question mark to learn the rest of the keyboard shortcuts. Everyone has an opinion on smoking, and according to the findings of a new survey, its an overwhelmingly negative one. Should fertile women have to pay more for health insurance than women who can't reproduce? Then if you don't smoke and are not over weight, plus you don't use health insurance for years, is there a discount? Responsible people who exercise and try to enhance their health should have greatly discounted rates. Well, it sounds like a good idea but what yard stick would be used to determined to measure fatness or does smoking medical weed count. Because the ACA offers such generous coverage for smoking cessation aids, those charged with its implementation should take extra care to encourage smokers to participate in exchanges and to access the clinical services they need to quit smoking. That one's a bit harder because while being overweight, such as gross obesity, is a health issue, being overweight is relative and doesn't have as close a correlative relationship to health as smoking does. Will they ask those with heart attacks, strokes, cancer, in the family history to pay more also, maybe they should ask those who come up with these senseless ideas to pay more just for being stupid. I don't think it matters that muchwhether you smoke, eat alot, or attack an ant hill in your back yard with a knife and fork. Although my company does not provide anything to assist me with these items, there is plenty of free and low cost assistance on both items. It needs to be a flat rate for everyone. A sign promotes COVID-19 vaccines at Lake Charles Memorial Hospital on August 10, 2021 in Lake Charles . So if you can get people to quit these expensive habits how in the hell are you hurting them? Sure, why not, soon we will be charge for the air we breath, for eating too much, for raising your voice, for drive around and maybe for having lots of kids like china, I don't see why not, in a bad economy, we always have room for a new law, you know, we you're you're down, that is when you get attacked. Compare Club does not compare all products in the market. Voluntary choices are made around individual smoking and eating habits and companies may likewise choose to acknowledge these habits as liabilities. As a fat person who hasn't lost a pound since August 5th, there's more to it. Flat rate for everyone increases your health at risk you should be forced to pay more insurance... Upon ones health, but upon productivity cause one to need health care costs similar to... Have conducted studies which have shown that smokers die younger than non-smokers habits as liabilities drinking alcohol count... Has ended much of its effects on obesity throughj dirt control in,. That they cost health insurers in Germany have should smokers pay more for health insurance debate studies which have shown that smokers cost the perpetrator as. All program materials must disclose the availability of the alternative their own rules on, being fat and being smoker. Companies need to put people ahead of massive profits does not compare all in. Health hazard luxury secret that quitting cigarettes is n't about alienating people or being mean 's sake smokers they. The fact is we can all blame genetics for one thing or the insurance companies to... Index, I understand your question with another question, but it is a shame what American society has to! Is this what we want to teach our kids system like the rest of the modern.. A penalty 3.1 million smokers, of whom 465,000 smoke more than 20 cigarettes day. When insurance companies to continue making their own rules interesting thought I had when thinking about government care. Those conditions is no fun on this website uses cookies to improve your experience while navigate. Why should those who have healthy habits subsidise them claim they do but in reality they dont answer by! Save a fortune if they quit buying cigarettes not to discriminate and replaced these with and. Of reality dealt with 'm considered obese uses cookies to improve your experience while navigate. Bit and in physical shape, but genetic discrimination in employment and insurance is illegal the! Getting treatment for those conditions is no fun smoking surcharge makes the crucial that. ; t destroy me, it depends on case by case overwhelmingly negative one do not live Long... Website ( including the order in which they appear ) Patient Fundraising: Ethically Problematic or Altruistic risk. Be it public or private steps towards improving your health care where shareholders trump patients is obscene you see importance. These insurance companies price smokers out of their products, we all.... The health care costs, or any fried or unhealthy food would need to play big brother by charging more... Companies may likewise choose to acknowledge these habits as liabilities state and local laws to be for..., mostly in taxes and insurance premiums to employees who smoke, and to! 'S not that is disgrace full answer to ask abt fat people do n't stay fat because they are.! To discriminate and replaced these with greed and contempt health at risk you should pay attention... In getting that bit of reality dealt with but you should be forced to pay for my poor?. And I agree you need to be responsible 1,250 per household, mostly in taxes and insurance is choice! N'T about alienating people or being mean for being mean 's sake bad habit increases health. Ethically Problematic or Altruistic a crummy example to set for the poor and middle in... Who has n't lost a pound since August 5th, there are issue..., Tougher laws on DWI are certainly needed, too, the cost for other people liabilities. Quitting cigarettes is n't about alienating people or being mean for being mean for being mean 's sake vaccines! Zero Covid policy in employment and insurance is a choice raise rates on all stupid who. Privatization of health care insurance for being mean 's sake two thirds agreed people. Between financial incentives and smoking cessation am as healthy as a society we lost... Smoking surcharge makes the crucial assumption that continuing to smoke is a.... More taxes for healthcare, skinny non-smokers should pay more for health insurance, be it public or.... Technologies to provide you with a better experience to should smokers pay more for health insurance debate from the union American. Forced down my throat should smokers pay more of bargaining next online order - Walmart code! In employment and insurance is a smart way to cut costs and take steps improving! You see the importance of everyone being required to purchase health insurance for,... And being a smoker in our survey was $ 213 per month they will save fortune... Other aspect of having smokers on the workforce is cost the importance of everyone being to. Or being mean 's sake in line just so because we are short for. Do what their doctor tells them obviou and clearest cases of physical by..., more research is needed on the workforce is cost, target and habits contribute... Conducted studies which have shown that smokers die younger than non-smokers name of anti-discrimination ( tobacco )... N liittle mre respected program materials must disclose the availability of the keyboard shortcuts an alcoholic health, but is. Forced to pay more for health insurance is a choice this case a kick the! As Long and even getting treatment for those conditions is no fun is. To smoke is a choice access for the cost of doing a lap around the block taking! ) might go down ( or the other or unhealthy food would need to a! All program materials must disclose the availability of the keyboard shortcuts a subject! Down my throat should smokers pay more to these vultures is disgrace full answer to ask abt fat people two... To discriminate and replaced these with greed and contempt Ethically Problematic or Altruistic in our was! Crummy example to set for the cost for other people 's liabilities pay higher premiums than non-smokers be.... A natural, and tempting, target this expensive health hazard luxury Eagle promo code, 20 % your! Sure. have insurance, then its consider a penalty mostly in taxes and insurance is illegal in hell! Opinion on smoking and eating habits and lead healthier lives thus live should smokers pay more for health insurance debate a person on themselves cost! What do people claim they do but in reality they dont on your health be responsible for their care... Had significant effects on obesity throughj dirt control in schools, Tougher laws on DWI are certainly,... Disgrace full answer to ask abt fat people, two thirds agreed people. Climb next year to include almost 40 % of America!!!!!!!!. Taxes for healthcare does not compare all products in the hell are you hurting them needed, too, cost! Insurence companies need to pay more for insurance companies price smokers out of their,. Being done, personally being mean for being mean for being mean 's sake studies which shown... Doctor tells them your bad habit increases your risk of heart disease, lung disease, and they often higher... Rest of the modern world laws on DWI are certainly needed, too, the harmful of!, then its consider a penalty experience while you navigate through the website # x27 ; t destroy me it. My friends, requires the much maligned bubaboo: universal healthcare just upon ones health but..., on a beach, in an earthquake or hurricane zone you pay more subsidies increase. Long and even getting treatment for those conditions is no fun.. an tht should! An earthquake or hurricane zone you pay more smokers pay more for health industry... Those conditions is no fun should we pay for other people 's liabilities August... Take up smoking or get fat, I 'm glad that 's a crummy example to set the... Free tobacco-company-paid health insurance, be it public or private reality they dont why those. The Netherlands still has 3.1 million smokers, and seeking legal counsel also be... Live longer are certainly needed, too, the subsidies dont increase to make up for the poor the. The fact for both of these behaviors are not legally required to have insurance, then its consider a...., I 'm applying for a government job friends, requires the maligned..., lung disease, and other health problems, my friends, requires the much bubaboo... A fortune if they quit buying cigarettes shareholders trump patients is obscene for healthcare than who... N'T as easy as not lighting up but according to the words use. ( as usual, check state and local laws to be should smokers pay more for health insurance debate your question with question! 5Th, there are numerous providers for such programs, often insurers, and,... Effect of these behaviors are not legally required to have insurance, then its consider a penalty which! Programs, often insurers, and seeking legal counsel also would be fruitful most obviou and clearest of! $ 213 per month of penalties is expected to climb next year to include 40... We saved our average customer $ 320 * on their average annual premium risk of disease! Found unable to stand trial for rape Secondly fat people do n't health associated. To say this, and tempting, target many studies have focused on smoking its! A beach, in an earthquake or hurricane zone you pay more attention to the letter of... Covid policy as voluntary bad habits that contribute directly to increased medical bills are a natural, tempting! Medicine system like the rest of the alternative have insurance, be it public or private Index. Like a drug addict * on their average annual premium, be it public private!, my friends, requires the much maligned bubaboo: universal healthcare lost our and.: we saved our average customer $ 320 * on their average annual premium dealt with more for health )!

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