In order to earn full participation points, your messages must be related to the course topics for t

Aug 17th, 2016
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In order to earn full participation points, your messages must be related to the course topics for the week and include new ideas, personal perspectives and examples, or relevant follow-up questions. You MUST research support for your position in your substantive messages. This research MUST include either a reference from one of the texts, the Electronic Reserved Readings, or a scholarly JOURNAL article that is found in the UoPX library. You MUST cite the author in your answer, and then reference the author and publication (in APA format) at the bottom of your post! NO citation and NO reference means NO credit! Participation messages must be at least 150 words excluding the question, the reference and your signature. Health Insurance Do you believe people should pay more for health insurance if they engage in risky or unhealthy behaviors? Why or why not?

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Answer --------------------Alcohol abuse cost the U.S. health care system $85.8 billion in 1988. The tab for cigarettesmoking totals over $65 billion annually. Costs related to obesity now surpass $27 billion peryear.As the government scrambles to reduce the staggering explosion in health care costs, theAmerican Medical Association recently revealed that at least 25 cents of every health caredollar is spent on the treatment of diseases or disabilities that result from potentiallychangeable behaviors. Whether the cause is smoking, alcohol abuse, poor diet, lack ofexercise, failure to use seat-belts, or overexposure to the sun, preventable health care costsare the first concern of many U.S. health care critics.What motivates their criticism is overwhelming evidence that individuals with unhealthyhabits pay only a fraction of the costs associated with their behaviors; most of the expense isborne by the rest of society in the form of higher insurance premiums, governmentexpenditures for health care, and disability benefits. Lawmakers, insurers, and employers arepressing for policies that would redistribute expenses resulting from voluntary health risks tothose who choose to take such risks. Proposals under discussion range from charging "healthoffenders" higher insurance premiums to President Clinton's Health Security Act of 1993,which included a 99-cent per pack "sin tax" on cigarettes, over four times the current rate of24 cents.Clear as this reasoning seems,

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