It seems you agree, then, that there is no ethical dilemma in insurers paying for HIV treatment regardless of whether the patient acted irresponsibly. But it would be easier to understand your answer if you’d just say whether or not you think that access to HIV treatment in the US should be more restrictive than it is at present.
We already covered the special case of contested treatments. It’s obviously irrelevant here as we are just talking about access to drugs for HIV patients, not access to an inherently limited resource. Either you pay for Truvda or you don’t. There’s no queue.
Similarly, if you are obese, no generally available treatment that could be of medical benefit to you will be denied merely because it’s expensive and you’re obese.
> Similarly, if you are obese, no generally available treatment that could be of medical benefit to you will be denied merely because it’s expensive and you’re obese.
Nope. There's a limit to everyone's insurance, beyond which they will not pay for more treatment. You won't get told that you're too fat but your treatments will cost more and consequently you'll get less of them. Your insurance contract is for a sum of money, not a specific set of life-saving actions.
But generally that limit is much higher than what you've paid so your expensive treatments take money from the pool.
> there is no ethical dilemma in insurers paying for HIV treatment regardless of whether the patient acted irresponsibly.
As long as their fees cover the payments. But if they're costing more than they're paying as a class, meaning that all other users are compensating them, then yes - dilemma.
> It’s obviously irrelevant here as we are just talking about access to drugs for HIV patients, not access to an inherently limited resource. Either you pay for Truvda or you don’t. There’s no queue.
Paying out of your own pocket, 100% fine regardless.
We already covered the special case of contested treatments. It’s obviously irrelevant here as we are just talking about access to drugs for HIV patients, not access to an inherently limited resource. Either you pay for Truvda or you don’t. There’s no queue.
Similarly, if you are obese, no generally available treatment that could be of medical benefit to you will be denied merely because it’s expensive and you’re obese.