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Obese People and Health Insurance Policies

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Obese People and Health Insurance Policies
Obesity is seemingly becoming a healthcare problem because its health and economic burden is exceedingly enormous. Before 1980’s, the prevalence rate of obesity was relatively low, but its prevalence and incidence rates have assumed an upward trend, probably due to the rapid change of lifestyle. Prevalence rate of obesity has increased by two folds, over the last three decades in the US, and the incidence rate is predicted to triple by 2015. Currently, obesity is ranked fifth leading cause of mortality in the entire world. From a global scope, obesity and its related morbidity accounts for about 2.8 million deaths yearly. Recent epidemiological reports reveal that, approximately 44 percent of the diabetes disease burden is caused by obesity; whereas, 23 percent of the cardiovascular disease burden is attributable to being overweight and obese. Further reports indicate that, obesity is responsible for about 7-41 percent of the total cancer burden worldwide (WHO par. 3). It is absurd for medical insurance companies to charge obese people high premiums for their healthcare policies compared with the physically fit Americans. Since obesity seems to be causing negative consequences on the American healthcare systems, efficient approaches are required so as to curb this health problem (Dent &Morgan 3). This paper will dissect the reasons as to why the obese people should be charged normal or less health insurance premiums just like the physically fit Americans. Some of these reasons include; firstly, all Americans have the right to life and quality health care which will be contravened by charging them high premiums. Secondly, obesity is a health condition just like other disorders hence charging high premiums will be discriminatory. Thirdly, there is a common relationship between obesity and other conditions such as diabetes and cardiovascular diseases hence charging high premium will aggravate the lives of affected Americans. Fourthly, smoking, change in diet and lacks of physical activities are not only the problems leading to obesity, but also other factors such as inheritance plays a role. In the same vein, charging high premiums to genetics-obese patients will be tantamount to torture. Lastly, the problem of obesity can only be eliminated through awareness and by adopting comprehensive policies. Therefore, increasing premiums as an obesity preventive measure sounds ancient to a developed country like the US.
Obesity has been causing other heath related disorders which can be prevented by various measures instead of increasing premiums. Succinctly, these disorders are affecting the biggest percentage of America’s population. As a result, charging high premiums on obese people is tantamount to oppressing people with diabetes and cardiovascular disorders. This is because such conditions are coming up due to obesity. Lastly, the lives of Americans are paramount than the profits made by medical insurances companies. Therefore, the Americans should reject these premiums and push the Obama administration to respect Americans right to health care (Dent &Morgan 5).
Shockingly, obesity among children and adolescents was found to have increased by three folds over the same period: thus, increasing the annual hospital costs from $35 million to $127 million. Precisely, if medical insurance firms continue to charge exorbitant premiums to these groups, their lives will be endangered (Carroll et al. 3). However, it is worth noting that obesity has been found to be genetic-linked. Some scientists argue that genetic inheritance is responsible for some obesity cases reported worldwide. Consequently, intensive clinical research is ongoing to validate the inheritance phenomena. Preliminary clinical trials indicate that genetic mutations among obese people are relatively high than in normal individuals. Therefore, it is imperative to charge such people high premiums on their medical policies. Thus, the medical insurance companies should apply consideration during the execution of their premiums (Levi 11).
According to scientists, Obesity is believed to be related to type 1 diabetes, hypertension, stroke, cancer and other cardiovascular conditions such as atherosclerosis (Levi 19). Currently, diabetes is the first leading cause of death worldwide, but cardiovascular diseases were the leading causes of mortality among the global population, in 2008 (Jordan 168). On the other hand, obesity causes accumulation of fats in the cardiovascular system, leading to the onset of hypertension. In addition, hypertension progresses into stroke or cardiac arrest, especially when treatment is inefficient. As a result, charging high premium on health insurance policies of such people will comprise their lives. Specifically, the poor Americans will be affected mostly by high premium since their financial status will be strained. Consequently, most of them will meet early preventable deaths due to medical insurance companies (WHO par. 9). Another reason as to why high premiums should not be executed to obese Americans is based on the development of musculoskeletal disorders. Osteoarthritis has acknowledged as one of emerging degenerative diseases of the skeletal system (WHO par. 5). It has been found that, excessive weight increases the burden for the joints, leading to joint problems. Currently, arthritis is becoming a serious healthcare problem because the highest percentage of the senile population suffering from it. Therefore, incidences of obesity related osteoarthritis seem to exacerbate the problem. Succinctly, with an increment of premiums, some of these patients will get deformation. Deformation will reduce the America’s labor force. Since the US is at the peak of economic development, its economy will be affected largely (Brownell & Horgen 78).
Economic reports indicate that, obesity is straining the US economy since 60% of Americans are obese. Statistics show that direct health costs related to obesity increased from $52 billion, in 1995 to $75 billion, by 2003 (Dor et al. 1). Therefore, imposing high premiums to obese people will aid in the reducing the US health care expenditure (Brownell & Horgen 76).
Surprisingly, some pundits assert that obese people should pay high premiums. This school of argument is drawn from the fact that the current change in lifestyle has been rated as the primary cause of obesity. As a result, charging obese people high premiums will be taken by healthy American as a warning for their ‘modernized’ feeding habits. This argument is aimed at enabling American take the obesity prevention measures seriously so as to avoid the wrath of insurance companies. Though this reasoning holds some little truth, those Americans with genetic obesity will feel oppressed. Ideally, obesity is caused by excessive intake of calories and lack of adequate activity which are controllable..
Epidemiological reports show that, change in the eating habits has led to the unprecedented increase of obesity. People have changed their dietary regime from protein and vitamins rich diets to carbohydrates and fat rich diets. Currently, people have abandoned ordinary homemade food products for fast foods in restaurants and commercial food stores. It has been found that most fast foods contain refined sugars, which are exceeding the body’s daily energy requirement. When one consumes excess sugars, the body does not utilize the whole amount: instead, some of the carbohydrate is converted into fats for storage in the body’s fat depots. In most cases, fats are deposited around the waist line, leading to the broadening of the waist and increase in weight. The ultimate result of the weight increase is the increase of the Body Mass Index (BMI) of the concerned individual. Ordinarily, a Body Mass Index range of 18-25 is considered to be normal. Therefore, individuals whose BMI falls within this limit are believed to be free from all weight related health conditions. On the other hand, individuals whose BMI exceeds the value of 25, but less than 30, are considered to be overweight. Moreover, individuals whose BMI value exceeds 30 are considered to be obese. Clinically, these individuals are exposed to numerous health conditions such as type 2 diabetes, cancer and cardiovascular diseases. Therefore, the principal cause of obesity is attributed to excessive intake of calories (WHO par. 4).
Furthermore, obesity should never be compared with smoking. Though it is believed that smoking leads to obesity, policy makers should understand obesity is global issues that require comprehensive control measures. The action of medical insurance companies to charge smokers high premiums on their policies is a good thing. This is because it will help to reduce cigarettes consumption among the Americans. Consequently, cigarette smoking related obesity will reduce hence improving the well being of Americans. However, there is a considerable percentage of obesity that is caused by lack of physical activity. It is believed that physical inactivity causes energy imbalance in the body because; the amount of calories consumed by an individual are extremely more than the amount of calories expended (WHO par. 4). It is believed that change in lifestyle from active to a sedentary lifestyle is the principal cause of obesity because; in sedentary lifestyle, an individual does not engage the body into active physical exercise, which helps to burn excess calories. Nowadays, people are not doing physical activities as they used to do three decades ago. This is so probably because; urbanization and technological advancement in the transportation industry are promoting physical inactivity. Currently, People are using other transport means rather that walking. In addition, most people are spending the greatest percentage of their time, sitting in front of televisions in their homes and computers in the offices. From this perspective, imposing high premium to those affected will challenge the healthy population in changing its life style. As a result, the US government will reduce its spending on the medical care provision and channel the funds to the development project (“Obesity in America” par. 3). Despite the sky rocketing medical insurance premiums, most people are still adopting sedentary lifestyle and yet they are consuming calories in large amounts. Consequently, such people end up having excessively increased body weight, which exposes them to obesity and overweight related health conditions. In this case, the medical insurance companies are justified in executing their charges. However, Americans have a problem in understanding the seriousness of obesity. Given the current prevalence rate of obesity, the future of American society is doomed. Thus, the medical insurance companies should combine their high premiums with public awareness so as to change the feeding style of Americans (Levi 12). Based on the above arguments, medical insurance companies will be doing injustice to obese Americans by increasing health insurance premiums. Ideally, all Americans have the right to life and quality medical care. Obesity is a monster that requires systematic control measures. Since two wrongs never make a right, the insurance companies should cease from using smokers as the reference point to obesity. In addition, obesity is a disorder like any other medical condition hence it requires to be treated as such. For example, genetic obesity occurs due to gene mutations. This is a natural factor which no man can control. Therefore, charging high premiums on obesity patients are discriminatory and unethical. In addition, diabetes, cardiovascular disorders and arthritis can lead to obesity and vice versa. It is also unethical to charge such patients high premiums since these conditions affect their health and families. On the other hand, medical insurance companies cannot use the lack of physical activity, eating habits and smoking as a battle ground for overcharging the obese Americans. This is because the life style change is challenge affecting many people in the world. For instance, if Americans fail to smoke, tobacco companies will be closed leading to unemployment and subsequent decline in economy. In addition, transport and hotel industry are source of employment to many Americans. In fact, it sounds ancient for medical insurance companies to charge more than $1500 at the expense of dying Americans. Therefore, medical insurance companies to charge obesity patients the normal or less premium so as to improve their lives. The Obama’s administration should look into the disparities that are exhibited by the US medical insurance companies. To be more precise, disparities in medical premiums are humiliating the US healthcare policies (Brownell & Horgen 68). Moreover, medical insurance companies together with other government agencies should focus on coming up with tangible preventive measures.
This is because by increasing health premiums to control obesity will make the condition worse. They should educate Americans to adopt healthier dietary regime. It is worth noting that this health condition can be prevented through adopting a lifestyle that involves physical activity. In addition, the America government should establish efficient health promotion and diseases’ prevention policies so as to promote public health. The country should increase support for disease prevention and health promotion through national and international health policies (Jordan 24). For instance, countries such as Canada and UK are known to comply with the Ottawa Charter of 1986 that provides guidelines on healthcare operations. Additionally, they uphold the principal tenets of the Bangkok Charter of 2005 that stipulates guidelines to be followed in formulating health promotion policies and regulations. These health promotion protocols aim at establishing efficient public health policies, as well as, enhancing community action. Moreover, the Bangkok Charter outlines the principal action areas that include reorienting health services, creation of support environments and developing professional skills. Therefore, the American government should adhere to the Ottawa charter instead of using medical insurance companies to shorten lives of its citizens. Failure to do so will give both the obesity and medical insurance companies the autonomy to shorten the lives of Americans (WHO par. 10).
In conclusion, obese people should be charged normal or less health insurance premiums just like the physically fit Americans. This is because obesity crisis is seemingly becoming a significant challenge to the global healthcare systems. A substantial percentage of the global economy is spent on direct and indirect hospital costs. This is because; obesity is responsible for the causes of several health conditions, which have turned out to be highly fatal to the global population. For instance, cardiovascular diseases, which are attributable to obesity, have become the leading causes of death worldwide. In addition, diabetes is responsible for the increased percentage of mortality and disability, especially among the senile global population (WHO par. 12).
Succinctly, increasing health insurance premiums will aggravate the current preventive measures being applied to control obesity. The arguments posed by those who support high premiums will definitely increase mortality rate. This is because raising insurance health premiums by using smokers as the reference point is baseless. For instance, raising premiums to curb obesity will lead to pronounced deaths to those people suffering from diabetes, cardiovascular disorders and arthritis. As a result, the increased premiums will be discriminatory in their applications. In addition, those citizens with genetic obesity will get disillusioned by the increased premiums. Their right to life and health care will be curtailed in contrast to the constitutional provisions.
Concisely, obesity is caused by excessive intake of calories and physical inactivity. This leads into energy imbalance in the body: thus, exposing the concerned individuals to health risks. Therefore, reducing the intake of sugary and fatty diets helps in preventing the onset of obesity and its related health conditions. Moreover, engaging the body into physical activities promotes energy balance and weight management (Jordan 66). Therefore, medical insurance companies in cohort with other government agencies should focus on educating citizens on the above preventive measures instead of increasing premiums.

Works Cited
Brownell, Kelly & Horgen Katherine. Food Fight: The Inside Story of the Food Industry, America's Obesity Crisis, and What We Can Do About It. McGraw Hill Professional, 2004. Print.
Carroll, Margaret et al. 2011. Adult Obesity Prevalence in Canada and the United States. PDF File. 21 Mar. 2013. < justarsenal.com>
Dent, Monica & Morgan Liz 2010. The economic burden of obesity. Web. 22 Mar. 2013. <http://www.noo.org.uk/uploads/doc/vid_8575_Burdenofobesity151110MG.pdf >
Dor, Avi et al. 2010. A Heavy Burden: The Individual Costs of Being Overweight and Obese in the United States. Web. 22 Mar. 2013. < http://sphhs.gwu.edu/departments/healthpolicy/dhp_publications/pub_uploads/dhpPublication_35308C47-5056-9D20-3DB157B39AC53093.pdf>
Jordan, Army. Overweight and Obesity in America’s Children: Causes, Consequences, Solutions. Thousand Oaks, CA: SAGE Publications, 2008. Print.

Levi, Jeffrey et al. 2010. F as in Fat: Hoe Obesity Threatens the America’s Future. Web. 22 Mar. 2013. < http://www.azdhs.gov/phs/bnp/nupao/documents/TFAH2010FasInFat06.pdf>
Obesity in America: What’s Driving the Epidemic? Harvard Men’s Health Watch. Web. 22 Mar. 2013. < http://www.accessmylibrary.com/article-1G1-278885434/obesity-america-driving-epidemic.html>
WHO 2012. Obesity and overweight. Web. 22 Mar. 2013. <http://www.who.int/mediacentre/factsheets/fs311/en/ >

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