Why Not Rate Health and Life Insurance Premiums by Risk?
New England Journal of Medicine. 1983 Feb 17; 308(7): 393-395.
It is argued that health insurance premiums, as is customary with life insurance, should be indexed to individual risk rather than to community experience. To be equitable, both health and life insurance premiums should be linked to factors that are known to reduce health risks and that can be modified by the insured person with assistance from health professionals. Alcohol abuse, cigarette smoking, lipid levels, and hypertension are proposed as modifiable risk factors, and a table of diseases and behaviors with which they are associated is presented. (KIE abstract)
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