Ok, here's a question. What if a person was overweight for all her life (growing up back when it was just called "big boned") and carrying that weight for all those years damaged her knees to the point that she CAN'T excercise without major pain and causing more damage. She drops her calorie intake down to 700/day and still can't get down to the weight she "should" be at and is basically light headed all the time because she isn't eating enough until she drops the diet because she needs to function.
Should the insurance companies penalize her because 40 years ago society didn't realize that being overweight may have consequences to overall health? Would that be considered a "medical" condition or would she be hit with increased insurance cost because 40 years ago, she "wasn't taking care of herself"?
No, I'm not talking about me, I'm talking about my mom. Who, BTW, was basically VERY healthy. She had normal BP, low cholestrol, no signs of diabetes or heart disease. She died of cervical cancer, which has nothing to do with weight.