Article: Commentary: Office Visit: Should personal health affect your premiums?

Conversations on health care reform cover many topics, but there is one subject that has not been widely addressed. America's health care problems have been blamed on insurance companies, pharmaceutical companies, physicians and the government. But little has been said about the one person who, in many cases, has the control - the patient.

More than half of Americans consider it fair to ask people with unhealthy lifestyles to pay higher insurance premiums and higher deductibles or copayments, according to an online survey conducted by the Wall Street Journal in July 2006. Many employers, like my own, enforce surcharges on employees who smoke. This voluntary activity has damaging effects on ...

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