2scesnts, mathematically this is the same – punishing for bad behaviors or rewarding for good. Possibly incentives work better, I agree. And they are done already by some insurances or self-insured companies. As to insurances, as I mentioned, Obamacare allows charging for smoking. Company insurances simply bundle for a group. When my employees get a lot of medicine used, my price goes up next year. If the salaries would be lower and insurance be a big part of compensation, I would probably not be hiring smokers and other health abusers just on the cost alone.
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