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I am saying that smokers and obese individuals have paid more in insurance costs, already.
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OH, gotcha. Yep, I know all about that. I had poison ivy last spring, lost my job and had to buy individual insurance in the fall. I was rated because I had a "skin condition."
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If you have insurance, a new option is added - a doctor visit with a $20 copay.
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OR ... Dr. visit with a $20 co-pay vs ER with a $20 copay. If the copays are the same, the behavior will likely not change. However if the Dr. visit has a $20 copay and the hospital has a $100 copay, the behavior may change.
Same goes with meds. generic vs name brand where available.
Total aside, I did read an article about some doctors group advocating that birth control should be available over the counter. THAT makes a lot of sense & removes the whole religious "whatever" from that situation. Seems like a win-win idea to me.