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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>>…</span> - there was a fair bit of debate in Germany a while back about differentiating between smokers and nonsmokers and obese and non-obese in healthcare costing. But her view was that thanks to life monitoring gadgets and ongoing monitoring one could make premiums dynamic, just like for cars - drive your body safely and premiums go down, take risks with it, and they go up. Anders Sandberg<span style='color:#1F497D'>…<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>I don’t see why it isn’t already that way. We know that if a person smokes, that one factor swamps everything else in running up healthcare costs. If we have government dictating price structures on healthcare, a company could hire a doctor that deals with smokers in a way that doesn’t even require the patient to undress: they would be handed a card with two words on it: stop smoking. That doctor could “see” a thousand patients in a day, and the cost would then be down in the range mandated by law. Healthcare costs for those would be practically negligible.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>The ironic part is that this advice is more effective than anything the doctor can do, making it perfectly compatible with what I think doctors are supposed to do for us.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>spike<o:p></o:p></span></p></div></body></html>