Stogie News: Health Care Bill Unfairly Targets Smokers

So-called “health care reform” isn’t usually a topic for a cigar publication to tackle. But the more research one does on the proposal now being debated in the U.S. Senate, the more it becomes clear that it’s grossly unfair to smokers.

The leading proposal from Congress contains many changes to current law, but three aspects of the bill in combination create a system that will increase costs for smokers while subsidizing others that are guaranteed to cost more. This despite the fact that through the punitive SCHIP tax, smokers already pay more than their fair share of health care costs.

The bill would require every individual to buy insurance and simultaneously prohibit insurance companies from refusing to cover individuals. It also mandates that insurance companies can only use three characteristics (and only those characteristics) for charging higher premiums: tobacco use, age, and family composition.

For tobacco users, Congress empowers insurance companies to charge 50% more for insurance. Because smoking is one of a few areas where insurance companies are allowed to charge more, and since every individual must buy insurance, insurance companies will be encouraged to charge even lower-risk tobacco users like cigar smokers the full 50% increase.

Meanwhile, Congress would prohibit insurers from charging more for pre-existing conditions, who are unsurprisingly the most expensive people to insure. This means that those with illnesses like cancer, lung disease, throat cancer, or anything else—including those that may have been caused by smoking—cannot be charged more while smokers can be.

The irony (and absurdity) should be obvious: If you’re already sick from something caused by smoking, you pay less than smokers who likely only have a slight chance of getting the very same disease.

There are, of course, many other reasons for opposing a federal health care overhaul that smokers may or may not agree with. However, all smokers, particularly cigar smokers who will be forced to buy pricier insurance unwarranted by their relative risk ratios, should oppose (once again) being unfairly singled out by the government and forced to subsidize the health care of costs of non-smokers.

-Patrick S

photo credit: Stogie Guys