I believe they should. Now before you pillory me, let me say I am a strong supporter of equal rights for homosexuals and gay marriage. But here's why I believe health insurers should be allowed to charge higher rates for homosexuals.
Insurers are in the business of assessing risk and base their rates on these assessments. Health insurers charge higher rates for smokers because of the greater likelihood of cancer, and life insurers charge higher rates for those who engage in life-endangering activities like skydiving. So if you accept that homosexual behavior (male homosexual behavior at least) entails a greater risk of contracting AIDS, shouldn't health insurers be allowed to charge gays more on the same basis?
Moreover, it's an issue of fairness to society since health insurance involves some cost-sharing. If you engage in an activity that increases the risk and therefore the cost, shouldn't you bear a larger portion of the cost?
I'll address confidentiality concerns.
2007-02-14
08:27:34
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15 answers
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asked by
Anonymous