Uncle Charley on Self-Inflicted Wounds

"How did Bobby Joe get himself so whacked up?" Charley asked as we left the hospital.

"He lost control of his motorcycle out on Highway 9. He wasn't going all that fast, he said, just hit a sandy patch. Good thing he's got insurance," I said.

Charley looked thoughtful for a while. Then he said "I have some problems with medical insurance".

"Don't we all."

"Nah, I'm not thinking about costs and stuff, at least not directly. Now with Bobby Joe, I'm glad he's got medical coverage. But he wasn't doing anything wrong. That accident was just something that can happen when you ride a two-wheeler. I sure wouldn't feel the same way about his situation if he'd have been drunk."

"Hmm." I said. "You thinking that if he'd been drunk he shouldn't be covered by his medical insurance?"

"That's exactly right!" Charley said with some emotion. "Why should we all have to chip in on his medical bills when he done it to himself? Because that's all insurance is, you know, just us chippin' in in advance".

"So maybe it should say on the medical policy that you're not covered if you weren't being reasonably cautious?"

"More than that," Charley answered. "Why should we pay for somethin' stupid you do, like drinking and driving? Or if you get lung cancer after smoking 2 packs a day for 50 years? You want to take the risk, that's ok with me, but why should I pay extra because you don't take care of yourself?"

"You got a point," I said. "Maybe if people knew they weren't going to get covered for stuff like that, they wouldn't do it in the first place."

"Right. I'm thinking about other stuff too. For instance, if you have an accident driving your motorcycle without a helmet, the costs should be on you, not on the rest of us."

"I think that some Harley drivers have a saying 'No Helmets On Harleys'. That's kinda macho but they have a right to ride the way they want. But I don't want my rates to be higher because they want to ride without helmets."

Charley thought for a while. "How about all the motorcycle riders who don't want to wear helmets have their own insurance program? That'd solve that problem."

I laughed. "Sounds good. The principle being that other people don't pay for your risky behavior. And how about people that eat themselves into being so fat their knees and hips won't handle the stress? They should have to pay for their risks and replacement joints too."

Charley smiled. "I can see it now. They got their own insurance program. Call it Health Care For The Obese. I like it. Heart attacks wouldn't be covered, or diabetes, or atherosclerosis. We don't want to limit their freedom, we just want to limit our costs."

"How about people that attempt suicide and don't quite make it?" I asked. "And what about smokers?"

"I guess people that started smoking after the Surgeon General posted those warnings knew what they were doing. So, no medical treatment for lung cancer or COPD for them, unless they have their own insurance group. Plus they gotta pay higher rates to cover family members that got hit with second-hand smoke."

"So our motto is 'Pay For Your Own Risks Or Don't Take Them'. They need Tobacco Users Insurance."

"Sounds great to me," Charley said. "Insurance companies need to limit their costs, and so do we".