Im not for paying into a system that doesn't hold people accountable for the chosen risks they take without there being some sort of sliding scale or risk tax that only goes towards those choosing that risk. this has nothing to do with born illnesses, etc.
It just seems really difficult to build a tax structure that you're asking for.
Ok, we all pay a 2% health tax. Then fill out a gigantic form of risk factors to determine where that number shifts up to? How often do we fill out the form? What if I fill out the form at the beginning of the year, but then I become a smoker after, am I obligated to re-file? How many chips are too many chips? Do we regularly get weighed, BMI indexed, etc.? I'm a runner, but I'm often a fair weather runner, so I can say I run, but I get around the holidays, and I become a lazy bum drinking whiskey and over snacking. Tax go up at different intervals?
On top of that, what sort of things are we including. It's easy to just say smoking and chips as a lazy catch all. But we then need to determine which studies to believe on different levels of anything. Some studies show sitting all day at your job is bad, so those people that choose those jobs get dinged a little bit because of a desk job. Being poor is shown to be a huge factor in stress, stress causes major health issues. Now, you might not choose to be poor, but you made other choices in your life that I guess eventually got you down to being poor. So the stress from being poor actually causes you MORE stress now, because you have to pay even more. Because of your stress. Because you're poor. And now more poor.
So sitting at a desk is bad, but, being on your feet all day could also lead to back and knee pain. Expensive surgeries later on down the line! I don't want to have to pay for someone else's knees because they chose to have a job where they tried to be healthier by not being at a desk sitting all day, but instead ruined their knees. If you work in an office, you're far more likely to catch a cold there and need to go to the doctor than someone who works from home. SO bonus points for at home workers. Not so much the office workers. Buuuut, there is a health benefit to being socially active. So it's kind of a +1, -1 sort of thing of seeing co-workers each day.
Damnit, as a runner, I'm trying to be healthy, but also putting that wear on my knees that someone that, say, bikes, does not. -1 for bad running knees.
I have a friend who is a very active person, white water kayaking and what not. So the activity and exercise, good, but the chosen activities, and the injuries that they lead to...bad.
I had a sever concussion playing softball a few years back. Do we put playing rec sports on the risk factor? And how do we quantify the risk factors when some people are happy to not run out ground balls, and others like myself are diving in the outfield? Do we fill out on our tax form the different sports we play, and our wiollingness to over exert ourselves playing them? The activity is a health bonus, but I'd say you surely have a much bigger risk of twisting ankles and breaking bones and having sprains playing baseball, basketball, etc. than you do playing video games and eating chips in your basement.
Andround and round it can go