Paternalism and no-fault insurance won’t fix our most serious health care problem. By Scott W. Atlas.
Obesity, the most serious public health problem in America, has yet to be honestly discussed.
After studies in the 1960s clarified the health impacts of cigarettes, smoking became an object of concerted public-health efforts. Smokers were increasingly ostracized, greatly reducing the incidence of smoking in the United States. Yet holding obese people responsible for their condition is still considered not only politically incorrect but discriminatory and prejudiced.
Indeed, U.S. trends in smoking and obesity have headed in opposite directions. Over the past fifteen years, smoking rates have declined 20 percent, while obesity rates have increased 48 percent. Since virtually everyone in America knows that both smoking and obesity worsen one’s health—and since millions of Americans have chosen to quit smoking or take steps to lose weight—it’s reasonable to conclude that others have decided to continue those behaviors and accept the adverse long-term effects.
We need to usher in a new era of personal responsibility in health care, and obesity should be our highest priority.
The first important step is to admit that although some people may be more predisposed than others to harmful behaviors and adverse outcomes, increasing rates of obesity are primarily due to overeating and insufficient exercise. Although the causes of obesity are complex, only a limited number of cases are primarily due to genetics. The genetics of populations change far too slowly to account for the sharp increase in obesity rates of recent years, and genetics cannot explain the increasing prevalence of obesity in the United States, first and most severely, and subsequently in developing countries.
The burden of obesity on the U.S. health care system and taxpayers is at crisis levels, and it’s only expected to increase in coming decades. Extra medical care due to obesity makes up 5 to 10 percent of total U.S. health care costs, half of which is financed by Medicare and Medicaid.
Because of the prevalence of obesity and its association with multiple chronic diseases, poorer treatment outcomes, complications from even the best medical and surgical care, increased levels of disability, work absenteeism, and premature death, its total societal cost exceeds $215 billion a year in the United States. Pennsylvania, New York, Texas, and California each spend more than $4 billion annually treating health problems that result from obesity. “Keeping obesity rates level could yield a savings of nearly $550 billion in medical expenditures over the next two decades,” Eric Finkelstein of Duke University predicted recently.
There is no easy way to solve the relentless progression of obesity. But government policy can play a crucial role. Giving consumers access to information and education is essential, and the power of fully transparent calorie and nutritional content cannot be overstated.
However, arbitrary “food censorship” limiting choices or portion sizes in restaurants and grocery stores—as many cities around the country have instituted or contemplated—is only another ill-advised, paternalistic overreach of government, based on the simplistic assumptions of people who neither trust nor respect individual Americans.
Aggressive support of research and development by America’s medical scientists and entrepreneurs is critical, though. For instance, the National Institutes of Health’s strategic plan to encourage obesity research, including more effective prevention and treatment strategies, should be a priority.
Facilitating clinical trials and streamlining approval of innovative treatments are also important. After several years in which no new obesity drugs were approved, a Food and Drug Administration advisory committee recommended three approvals in recent months. This is a good sign, but the recent trends toward longer bureaucratic delays in drug and device approvals must be reversed.
Meanwhile, well-intentioned insurance regulations must not overlook personal responsibility in the guise of fairness. President Obama’s health care law includes coverage guarantees and price controls that unintentionally relieve people of personal accountability, shifting costs from those opting to follow risky lifestyles to those who take more responsibility for their own health. Similar measures at the state level have led to excessive premiums and pushed healthy people—the very people for whom the health law’s insurance mandate is intended—out of the market.
Health insurance should instead follow the precedents of life and automobile insurance: prices should hold individuals accountable for voluntary and reckless behavior. Life insurance premiums are markedly higher for those who engage in dangerous behaviors such as smoking. Risky driving is a key factor in determining automobile insurance rates. Because obesity is a high-risk lifestyle with well-known hazards, health insurance rates that reflect higher risks of disease and more frequent use of medical care are completely appropriate.
It is illogical, counterproductive, and even unfair for society, rather than the individuals responsible, to pay for destructive decisions such as cigarette smoking and overeating, two major drivers of health spending in the United States. And more and more Americans think so. In 2010, 54 percent of Americans thought smokers should pay more for health insurance; now 72 percent do.
Private employers and others with a stake in health care must play a greater role. Research has demonstrated the clinical efficacy of measures to encourage both smoking cessation and weight loss, including financial incentives. A growing number of employers are charging smokers higher insurance premiums while also offering free wellness programs that include risk assessments and free screenings for risk factors such as high blood pressure, body mass index, and cholesterol. These programs often offer financial benefits to workers, including lower premiums and employer contributions to health savings accounts. Such incentives should be promoted.
Obesity is a uniquely urgent crisis in the United States. Obesity is significantly more prevalent in America than in any other wealthy nation, or anywhere else in the world. Americans are about twice as likely as Western Europeans or Canadians to be obese, three to four times more likely than Scandinavians, and ten times more likely than the Japanese, who enjoy the world’s greatest longevity.
Even more sobering, about twenty-five years pass before obesity’s total effect on premature death and disease manifests itself. Given the higher rates and predicted trends of obesity among American children and adults, health gains over the past century could be wiped out by obesity’s impact on disease outcomes and life expectancy, which will be seen for decades to come if this crisis is not addressed.
There is no easy solution, but the most effective message government and society can send is to hold individuals accountable for their decisions.
Scott W. Atlas is the David and Joan Traitel Senior Fellow at the Hoover Institution and senior fellow by courtesy at the Freeman Spogli Institute for International Studies at Stanford.
Atlas's research interests are domestic and global health care policy, particularly the role of government in pricing, quality, access, and innovation. He lectures throughout the world on MRI advances and key economic issues related to technology innovation. Atlas has been interviewed on television, radio, and other news media, including BBC Radio and the Lehrer News Hour, and in newspapers such as England’s Financial Times, Brazil’s Correio Braziliense, Italy’s Corriere della Sera, and Argentina’s Diario La Nacion. His most recent book, In Excellent Health: Setting the Record Straight on America’s Health Care (Hoover Institution Press, 2011), gives evidence of the high quality and access found in the US health care system relative to those of other countries and suggests free-market reforms to reduce costs and maintain quality and consumer choice. Atlas, who has received numerous awards and honors, has been a member of the Nominating Committee for the Nobel Prize in Medicine and Physiology for several years.
Atlas received his BS from the University of Illinois Urbana-Champaign and his MD from the University of Chicago.
Reprinted by permission of the Philadelphia Inquirer (www.philly.com). © 2012 Philadelphia Media Network Inc. All rights reserved.