Raising weekly fees, deductibles, and copays for the ten employees would not be fair. This is because they are all affected by health conditions. Furthermore, the non-smokers are not the sum of individuals causing the increase in healthcare-related costs. The increment in deductions, weekly pay, and copays should not be a burden to those who do not engage in risky behaviors.
Raising the weekly fees, copays, and deductions for smokers and cancer patients who never smoked is also not okay. The contraction of cancer does not happen through risk behavior and should not be punished. In addition, the amount of money spent by the cancer employee is too much to tolerate additional payments.
Raising the deductions, weekly fees, and copays for smokers but not for cancer patients can be applied. This is since the increment in payment will be a strategy for punishing risk behaviors. Smokers are the root cause of the increase in healthcare-related costs. They should be responsible for paying the extra 20% that is being used for health care coverage. Lowering the quality of care plan for all the workers is not fair as the cancer patients and non-smokers will not be treated fairly. The last option can also be appropriate as it encourages the dropping of risky behaviors. This applies especially to the reduction to offer low deductions and the copay for employees who quit smoking, although the raised premiums stress the cancer employee.
What is moral or ethical has offered me the perspective to customize the health care plan. I have considered what is fair and what is not, wrong and right (Mayo, 2021). Lowering premiums for individuals who do not engage in or quit risky behaviors encourages healthful behavior (De Walque, 2018). Additionally, punishing risk behaviors is also vital in an organization or company. These two has the role of minimizing health-related cost.
References
De Walque, D. (2018). The use of financial incentives to prevent undesirable behaviors. World Bank Policy Research Working Paper, (8424), 1-37.
Mayo, B. (2021). The philosophy of right and wrong: An introduction to ethical theory. Routledge.