Why is health insurance not assessed like automobile insurance?
Question:
Answer:
It depends on what type of health insurance you have.
If you have your coverage through a company's group plan, then you are right, the company providing coverage doesn't look at each individual's body type and medical history as these individuals join the group.
However, these issues do come into play eventually by pushing up the claims history. When the groups contract comes up for renewal, the companies with higher claims experience will get higher rates.
If you are buying individual coverage, your weight is a factor and they will charge you more if you are over the limit on their height and weight charts. If you are too heavy, they will deny you coverage. And of course, your weight is a factor in having high blood pressure and diabetes, both of which will increase the price you pay for your insurance.
By law they are not allowed to do so, in an obvious manner
because car insurance is not like health insurance, health insurance is for human being and we have human problems not car problems
It's just not allowed by law
Well, because pre-existing conditions are a more realistic prediction of future problems. They DO consider weight/height, and smoking, if it makes you feel any better.
of course thay are two differnet things
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