How do you figure? She literally goes to the hospital two times a month. She so damn fat it's destroying her knees and she has to go in for regular checkups. She's only 26, one day soon she's gonna need knee surgery, which is going to cost insurance company a ton of money.<quoted text>
The bottom line is that the insurance company is justified to charge you more just as they are justified to not charge fat people more, it is their business and their assumed risk, though I agree, they should have a right to charge her more but I am willing to bet you that they have already factored into their rates for the percentage of their customers who are fat.
In the past 10 years I've been in the hospital two times, once because I had a bad flu, another time to get a hearing check because I'm going deaf.
But they charge me an extra $50 a month because I smoke.