This is a very interesting chart for a lot of reasons
http://affordablehealthinsurancequotes.org/underwriting/bmi-premium-rate-adjustment/
– it confirms that people with very low BMI are on a par for premature stroke or heart attack with really fat people. Anorexia is very unhealthy
– if you’re significantly overweight, it will cost you a lot – but ONLY if you’re young. If you’re 57 and fat, you are not a high risk
– The cliff of non-insurability is very steep – I now understand why Humana declined me on their web site.
I’m 57, probably 5’10” since my bones have settled. If I say I weigh 295 (which is accurate), that makes me an L5 risk. If I was 24, that would be a 70% premium surcharge. Since I’m over 55, L5 is a 10% surcharge, basically nothing. If I say I weigh 301 pounds, it is an automatic decline.
So, no matter what a person verbally declares about themselves, surely the insurance companies make an effort at some sort of verification, right? Since they really do need to confirm a person is not heavier than a certain weight.
If the doubt you, they’ll have you do a cursory physical exam. Of course, this is supposed to all go away in January.
The real abuse will be underestimating 2014 income and then having to repay up to maybe $10k in 2015 and claiming poverty
Just be glad none of us here are microbiologist’s seeking term life insurance coverage. I understand microbiologist have a short life span, especially after making any significant scientific discovery.
What about microbloggers? 😉
What about microbrewers?
I forgot about them – I must have micronesia. 😉
I keep seeing many segments of absolute government / societal dysfunction – any aware person should. I keep thinking well, hells bells, the support structure just can’t bear this sort of absurdity any longer. The only consistent thing is my incorrect conclusion. I am in a sort of perverse awe of what is happening and what continues. I guess I have a ring side seat to observe how the republic has crumbled into a heap of genuine petty-thug-rule. The President’s red line was just rhetoric, a lie to the country. The average American doesn’t even have that.
I just read an update on Jefferson county Alabama and the proposed settlement of the bankruptcy. Some naive public servants entered into swap contracts thinking they were getting free money – instead they are going to leave the sewer system with $6.2 billion in debt and interest over 40 years and an agreement that sewer rates will go up every year for the next 40 years, and that won’t begin to actually pay off the debt.
Birmingham is located in Jefferson County. The 130,000 residential sewer users currently pay an average of $38 a month
42% of the residents of Jefferson County are black. They’ve gone from riding in the back of the bus to being the slaves of JP Morgan Chase.
You’ll be shocked to learn that the county was put into this position by bribes paid to Larry Langfold, who is African American and now in prison.
http://en.wikipedia.org/wiki/Larry_Langford
Someone should tell this to Maria Honey Money.
Even less related, the US Census database is offline – boohoo!
There are web page advertisements for events from years ago that are on line because no one paid to have the pages deleted.
You’d think historic census data would be of more use, yet someone decided to borrow money from the Chinese to hide it… then borrow more to make it reappeaer… all with the expectation that it is worth any OPM it takes to make Ted Cruz look bad.
I believe the gentleman she was interviewing him mentioned it. It was big news in 2010 when Taibbi (also in that video) broke the news here:
http://www.rollingstone.com/politics/news/looting-main-street-20100331
Funny that it takes a rock’n’roll journalist since his employer is not dependent on advertizing from the big banks mentioned in the story.
Perhaps the good folks living in Jefferson County, AL should just quit paying their sewer bills and see what happens after a default on the fraudulent swap agreement. Could raise quite a stink!
You’ll be shocked to learn the Banksters who bribed Larry Langfold, the African American who was rightly send to prison, got off scott-free.
They got a bailout from you in 2008 and then their bonuses resumed to pre-2008 levels
Hey, they make lots of money. That’s all that matters.