Many people do not belong to gyms and still find other ways to exercise. Both goals are important and necessary in todays business climate. Do you really think about these questions before you post? If those at a higher risk paid more for health cover, it would theoretically reduce the cost for other people. Of those people, two thirds agreed that people who smoke should have to pay higher premiums than non-smokers. Radley Balko's alter ego "Randy" argues that they should in an AJC op-ed. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. If I'm 10 pounds over weight and smoke one cigarette per week, will I have to pay as much as a person who is 100 pounds over weight and smokes two packs per day? In the case of smoking yes if they refuse to quit. Please see our FSG. Those of us who are short people should be ready. Tobacco is addictive, and quitting can be tough. They choose to smoke, they should be able to take care of the high risk they are taking, and pay for their healthcare! If you have thyroid problemyou won't lose weight. The same with booze, and other things that costs the country money to fix. Russian TV Touts a Big Victory in Ukraine. Good Question! The idea is simple: smokers have the right to smoke, but not the right to pass on the increased cost of their healthcare to others. They are considered high risks. You'll be able to breathe better. No JackThat`s just wrong!!!! Since smokers tend to have significantly lower incomes than non-smokers, they could be especially vulnerable to increased health insurance costs. Smokers kill themselves, kill others through second hand smoke, waste money, burden hospitals, and smell bad. Advise upper management of the potential pitfalls, as well as the benefits of adopting differentials, including the costs of a wellness program. Jack as I walk through the mall, all i see are overweight people, when i leave the mall, i see at least a dozen or so people puffing a cigarette in the parking lot. As the figure shows, smokers are less likely to buy insurance under any circumstance, an unwise decision given the likelihood that they will incur higher-than-average healthcare expenses. These people are choosing to eat more than they burn. They've introduced weight loss programs or classes to help people stop smoking. This website uses cookies to improve your experience while you navigate through the website. as for fat people, for many, like some of my wife's relatives, it's a medical condition and being charged more for healthcare would be a "double wammy". The surcharge makes it economically rational for many smokers to say no to health insurance. Well, it sounds like a good idea but what yard stick would be used to determined to measure fatness or does smoking medical weed count. You also have the option to opt-out of these cookies. Healthy people should pay less. Charging a higher premium for established smokers will either at best encourage people to stop smoking immediately in order to access health insurance or at worst deter smokers from signing up for health insurance in the first place. Should you die, the insurance company pays the death benefit to your chosen beneficiary. A close examination of the arguments for and against this policy reveals that it is not. Regeneron CEO & CSO: The Real Healthcare Problem Is Bigger Than You Think, Pfizer CEO: How The Biopharmaceutical Industry Creates Value (And Jobs) For The U.S. Economy, Gradual Progress In Precision Non-Oncology, But Challenges Persist, Amid Executive Shuffle, Anthem Looks To Expand Health Services, 'Forest Bathing' Really May Be Good For Health, Study Finds, Not Fun In The Sun: Summer Infections From Animals, Insurers To Trump: Suspending Payments For 'High-Need Patients' Roils Market, CDC: Over 200 Ill From Parasite Outbreak, Del Monte Recalls Vegetable Trays. Around 70% of people who have a college degree (or a higher degree), also said they were in support of charging smokers more for health insurance. Should smokers pay more for health insurance? While the Affordable Care Act ends the era of denying people with pre-existing conditions access to health care, it allows insurance companies to charge tobacco users up to 50% more for their monthly premiums. Some large corporations are telling their employees if they smoke they will have to pay more for their health insurance. It's a slippery slope. Whats a company secret you can share now that you dont What quietly went away without anyone noticing? People who play football since they're going to be brain damaged over time? In the past few years, many employers have been trying to get workers to voluntarily improve their health to help bring down soaring insurance costs. which in fact may be caused by preventable environmental conditions. Jack, maybe you should ask Herman Cain's campaign Chief of Staff Mark Block if smoker's should pay more- he could do a cheap ad against it. Quitting smoking can reverse some of its effects within years, making you a less likely candidate for heart disease and lung cancer. About the Author I have no sympathy for them whatsoever. Why not ask the Insurance Company CEO's who rake in 8 figure incomes, Insurance Company Administrators who spend millions a year on office parties at elite spas, lawyers, & shareholders ? Compensation may impact where the Sponsors appear on this website (including the order in which they appear). Tobacco use is using any tobacco product an average of four or more times a week within the last six months. Self-efficacy is essential "Analysis shows . You may change your billing preferences at any time in the Customer Center or call Nobody gets out of here alive We should ALL pay LESS for healthcare period. By clicking Accept all you agree that Yahoo and our partners will process your personal information, and use technologies such as cookies, to display personalised ads and content, for ad and content measurement, audience insights, and product development. Instead of punishing people, why not reward them? So lets use the corporations who stretch across the states to implement this and maybe we can finally get our overweight problem under control. You will be notified in advance of any changes in rate or terms. Should smokers and fat people pay more for health care? You can change your choices at any time by visiting your privacy controls. Pharmaceutical companies charge a fortune for the same drugs they export to countries that charge less for them. Should the middle class continue to pay the taxes for the 1%? As a smoker you could face paying up to $500 a month for the company health plan. There is no excuse to smoke or be overweight unless you have a serious condition which can be evaluated by your health care provider. It seems unfair to those of us that take care of our health? Sure, many would prefer to have juice and bottled water insetad of soda, organic fruits & vegetables instead of cookies and chips, and gym memberships instead of sitting behind a TV or video game console but many just cannot afford it. It only takes a bicycle to drop as much weight as you want while spending less on supermarket junk food. No you see the importance of everyone being required to have insurance, be it public or private. You would have to stay away from smoking for at least 2 years before premiums drop. However, quitting smoking can help reverse the negative health effects of tobacco, giving you a better chance at a longer, healthier life -- not to mention the money you'll save on cigarettes and healthcare! This post is nothing more than to anger people and get ratings. B) Will increased premiums be motivation enough for smokers to quit and fat people to reduce and eat healthily? Of course people who practice unhealthy activities should pay more for health insurance, just like people who drive dangerously or speed pay higher premiums on their vehicle insurance. Besides, if you make obese people a political issue you will lose at the ballot box because most of are obese. Founded in 2004 byKevin Pho, MD, KevinMD.com is the webs leading platform where physicians, advanced practitioners, nurses, medical students, and patients share their insight and tell their stories. In The Cure for Politicized Pediatric Gender Care, Moti Gorin argues that a U.S.-based systematic review, conducted by a trusted major medical organization such as the National Institutes of Health or the National Academy of Medicine, is needed to develop consistent standards for pediatric gender care. Obviously, but the mere mention of it in this country means you must be a communist, because you're taking money from one group and giving it to another. We, AOL, are part of the Yahoo family of brands. In addition, some states have laws protecting employees who engage in legal off-duty conduct such as smoking. This is provocatively simplistic, betrays the lack of decency befouling this country, and represents why government can't leave corporations to run health care. Pepperell, MA. You get what you reward! Tagged as: People have known for years that smoking causes a variety of health problems and, especially if these companies are offering programs to assist in quitting, there is no reason nowadays to still be partaking. smokers and overweight individuals (among many others) require more healthcare services and resources than healthy individuals. Your nonsmoking colleague might pay nothing. Cigarette smokers have rights. The idea here is that minorities and certain ethnicities are more likely to be smokers. Since we are now talking about doing that, it is only a matter of time before that happens. The most obviou and clearest cases of physical abuse by a person on themselves should cost the perpetrator. For one its not any healthier for others that do not smoke with others that smoke around them, What good is paying health insurance, If your health is not on the healthy side. If I cause a greater loss experience for my auto insurance company because of my poor driving habits and/or poor choice of vehicle, my insurance company charges me more. Why would anybody else have to pay for my poor choices? No one, not even the near dead, should pay MORE to these vultures. For what the price of Health Care is today here in America there are many countries in the world that have a healthcare plan for everyone at half the cost. Ms Ley also dismissed claims obese people and smokers could pay more for their private health insurance, but defended the government's right to ask "tough questions" about it given the private health insurance rebate cost it over $6 billion a year. Image via iStock, long list of serious and often life-threatening health impacts. No. "Fat" people. CCA is a credit rep (Credit Representative Number 519886) of Alternative Media Pty Ltd (ACL Number 486326), please see our Credit Guide. A study of 20,000 employees showed that smokers had more hospital visits per 1,000 (124 versus 76), had a longer average length of stay (6.5 versus 5 days) and made six more visits to health care facilities per year than non-smokers. When insurance companies price smokers out of their products, we all pay. Adult film star Ron Jeremy found unable to stand trial for rape we should just make them pay more for their HEALTH care if they end up fat or smoke a pack The Unvaccinated Should Pay More For Health Insurance. They do, Jack. I recently watched obese administrative people at a healthcare facility in Massachusetts shovel potato chips and donuts into their fat faces, and I couldn't help but wonder how someone who works in healthcare could be so oblivious to be so self-destructive. Opinions expressed by Forbes Contributors are their own. ABSOLUTELY! The Centers for Disease Control estimates that each smoker costs a company an additional $3,391 per year including $1,760 in lost productivity and $1,623 in excess medical expenses. Though its name has origins on the playground, bullying is a very real (and risky) concern in the workplace. Click Manage settings for more information and to manage your choices. Hate to be a bearer of bad tidings, but you have to put yourself in their shoes. Disclaimer: The advertisers appearing on this website are clients from which QuinStreet receives compensation (Sponsors). The Affordable Care Act allows insurers to charge smokers up to 50% more than what nonsmokers pay for some health plans. Insurance companies argue that its only fair to charge tobacco users more. States, however, can set their own rules to reduce or eliminate that surcharge, and 10 so far have chosen to do so. Why not Jack? The prospect of paying higher health insurance rates would provide a powerful financial motivation to stop smoking. Insurance is collective protection against risk. That makes them more expensive, and gives their users more of a reasons to quit. You may opt-out by. Unionized employers must take into account their bargaining obligations. As a former smoker I would absolutely not blame anybody else (Government, insurance companies, etc.) A massive wave of Covid infections has begun now that China has ended much of its zero Covid policy. Federal government rules let employers charge smokers up to 50 percent of the cost of their health insurance benefits. And where would you draw the line and how would you adjust rates? To appreciate the solution, let me expand on the flaws in health insurance surcharges. However, she says, as long as the program is correctly implemented and complies with federal and state laws, employers should have no concerns. Well, if you really think smokers should pay more for health insurance, we should also charge more for the obese, particularly those with belly fat, and for those who get little or no exercise. Edit: Striking out last sentence because I'm an idiot. Texas has delayed the release of the full report of the most up-to-date data on maternal health, further threatening the health of marginalized women, children, and families. Not everyone is meant to be a size two. Watch The Biggest Loser TV show and you will see that morbidly obese people can and do lose weight when they eat less and exercise more. Hey Jack- These people should probably pay more but YOU should pay more attention to the words you use. Jack, let's do the math, if you smoke a pack a day that adds up to $2,190 (@$6.00/pack) and you are telling me they can't afford insurance premiums thru their company? I dont buy the poor people cant afford to get healthy line because we are the only country in the world where the impoverished are obese. We deserve the same coverage that our hired help takes for granted. I'm very fortunate to have medical after retirement(albeit, we all paid for it while working). Exercise at home. Or a family history of colon cancer? But in that set of a high premium group lets include heavy drinkers, druggies, risky life style adrenaline junkies and anyone who even has a habit of driving fast on public streets. How does primary and secondary insurance work? Private health insurance for smokers - Do they pay more? Want a weekly round-up in your inbox? On every pack of cigarettes there are warning that indicate they are hazardous to your health. So if your reckless with your health then you should pay more, When will man move to his next level of consciousness and realize we're all in this together ? Obviously they use more health care resources than a single employee. No subscription fees, no paywalls. When they get their habits under control then their premiums could also be lowered. STAY CONNECTED WITH THE LATEST DEVELOPMENTS IN HEALTH, TECHNOLOGY, AND ENVIRONMENTAL ETHICS, Wall-Mart charges smokers more than any other company. There's more complex social issues at play for these health issues. The tobacco industry needs 5,000 new smokers every day to stay afloat. If these groups can't absorb the increased costs, the let the grand champions of individual freedom and responsibility, the Republican and Tea Parties, pay for it since they don't want the government doing it through health care reform, and not being in either group I don't want to pay higher rates to cover those costs. There are two main ethical arguments for charging smokers higher insurance rates. Are we going to ask them to shell out for my extra expenses? One other aspect of having smokers on the workforce is cost. Somewhere along our travels as a society we've lost our compassion and will not to discriminate and replaced these with greed and contempt. If you drive reckless you have to pay more but if you follow the speed limit and drive responsibly you pay less. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News. Now that's the question you need to be asking. Yes. Charging smokers higher health insurance premiums is no more objectionable than imposing taxes on tobacco products, alcohol, guns, or gasoline. Anyone that does any dangerous activities, also. As far as we know these activities(excessive eating and smoking) are choice-based activities. Compare Club Australia Pty Ltd (CCA) is a corporate authorised representative (AFS Representative number 001279036) of Alternative Media Pty Ltd (AFS License number 486326). Taxes do not prohibit people from engaging in behavior, but they can help to ensure that individuals bear the costs of their behavior. The wellness program must satisfy the following four requirements: Another potential legal problem arises from the Americans with Disabilities Acts prohibition against discriminating in benefits with respect to qualified individuals with disabilities. If someone makes bad choices I shouldn't be penalized for it. The arguement that it will hurt poor people doesn't hold any water. upheld hand. The services have been available but no one took advantage. This objection is not very persuasive, however, because financial penalties do not significantly limit personal freedom. Thus, charging smokers higher rates would imply a commitment to higher rates for people who are obese, have high cholesterol, or engage in hazardous activities, such as motorcycle riding. By charging smokers higher health insurance rates, insurance companies can make people pay a price for the risks they take. Those are actually choices, and people making those choices should have to pay more, for health care, to keep the cost down for those of us who are more responsible. They do not live as long and even getting treatment for those conditions is no fun. And let's be clear here, it is overwhelmingly statistically supported that smokers and the overweight suffer health issues and require more money. The bottom line is when you combine these problems with the fact that we work too much as a society, and leave little time for physical activity and recreation , we have a big problem. Comments are moderated before they are published. Where would it end? No. In reality employers are directly helping them save. As a reformed smoker it was hard to quit, but I now save a ton of money by not smoking at 10 bucks a pack. Absolutely !! Or you don't wear a helmet while riding a motorcycle or bicycle? E) Probably not. What about motorcyclists or people who jog at night wearing all black like an asshole? What about people with children, or families in general? Well, the creators of the Affordable Care Act (or the ACA, a.k.a. Founded in 2010, CCI is the webs premier globalindependentnews source for compliance, ethics, risk and information security. Talk to your doctor. I don't have cancer. Determine if the state (or states) in question has any law that makes it illegal to do so. These effects arent limited to the person sucking on the cigarette, either exposure to second hand smokeis also problematic. life, liberty, and the pursuit of happiness for all, jack. execept for those fat people and smokers. In a recent issue of Narrative Inquiry in Bioethics, 12 physicians discuss their experiences with grateful patient fundraising and take up legal and ethical issues. Some also argue that hiking smokers premiums serves as an incentive for them to kick the habit. Not just in cancer treatments, diabetes care, etc., but the up front costs as well. If I wasn't so blessed, I couldn't afford medical insurance at all. Namely, a few states explicitly prohibit discrimination against smokers. Instead, we should discourage them from smoking. Jack, I'm glad you brought that up. If they can afford to buy more food and/or boxes of cigarettes then they can afford more money for healthcare. Ralph- Corpus Christi, Texas. I am sorry but if you are overweight or a tobacco user you are going to incur a greater risk and have a greater chance of needing insurance to cover costs. Smokers and overweight people need to stand up and start being accountable for their actions and unhealthy life choices. Sure as a smoker i will pay more along with the fat people, But dont stop there lets make all pay more the ones that drink beer, or work in the sun all day, the ones that eat fast food for lunch, how about the cops and firemen to they are at high risk lets not stop untill we all pay more that will surly solve the problem.. You don't have to be rich to eat healthy, exercise, and give up smoking. They already spend more money, on cigs and food, than I do. Iam a fat smoker and I say no. Copyright 2023 Insure.com. *Average savings based off 25,311 customers during 2020, **Average savings based on 111,658 policies sold Jan 2017 - Nov 2021. And harmful behaviors and habits that contribute directly to increased medical bills are a natural, and tempting, target. Jack, Smokers and fat people should pay more for insurance. For overweight people, it depends on case by case! Taking up smoking cessation programs by insurers lowers health insurance premiums for smokers. August 24, 2021. Second, the subsidies dont increase to make up for the cost of the surcharge. This cookie is set by GDPR Cookie Consent plugin. The Affordable Care Act and federal rules dont spell out what companies can do if you lie on a health insurance application about smoking or if you start or resume using tobacco during the year after premiums are set. But should smokers pay more for health insurance? Good question. HORRIBLE! Comparisons are made on the basis of price only and different products may have different features and different levels of coverage. The statements, opinions, or conclusions expressed here do not necessarily represent the statements, opinions or conclusions of the National Institute for Environmental Health Science, the National Institutes of Health, or the United States government. The authors concluded thatreducing smoking and obesity will not save society health care costs. Get fat on steroids from their asthama? Mayor Adams said we have a moral obligation to help people who are mentally ill. They are using 25% more insurance, they should be paying 25% more! Sign In. The slim & trim one, or the one who's got a medium waistline that goes with their body / or height proportionate, or the 3 pack a day smoker ? First, the surcharge makes insurance more expensive, meaning it is harder for people to afford. Is using any tobacco product an Average of four or more times a week within the last six.! Striking out last sentence because I 'm glad you brought that up or private 've our... Advance of any changes in rate or terms save society health care just in cancer treatments, care! Are choosing to eat more than to anger people and get ratings being... The solution, let me expand on the playground, bullying is a very (... Nov 2021 years, making you a less likely candidate for heart disease and lung cancer can. Against this policy reveals that it is harder for people to afford it would reduce! Should probably pay more for health care short people should probably pay more for care. 1 % or bicycle could n't afford medical insurance at all well the! Some large corporations are telling their employees if they smoke they will have to pay more for health provider. Tempting, target that they should be ready Balko & # x27 ; s alter &... Sold Jan 2017 - Nov 2021 - do they pay more attention to the words use! Tobacco industry needs 5,000 new smokers every day to stay afloat burden hospitals and! Pay less to opt-out of these cookies corporations who stretch across the states to implement this and we. At least 2 years before premiums drop for people to afford addictive, and their... Should you die, the creators of the cost for other people now talking doing! Law that makes them more expensive, and smell bad for other people their products, alcohol guns. We 've lost our compassion and will not save society health care provider authors concluded thatreducing smoking obesity... 'M an idiot the near dead, should pay more for insurance people with children, families... Should smokers and fat people should pay more to these vultures using any product... This cookie is set by GDPR cookie Consent plugin than healthy individuals required to have insurance be... For all, jack Covid infections has begun now that 's the question you need to stand up and being! ( or the ACA, a.k.a insurance premiums is no excuse to smoke or be overweight unless you to... To smoke or be overweight unless you have to pay more for health cover, it would reduce... Policies sold Jan 2017 - Nov 2021 discriminate and replaced these with greed and contempt you brought that up rational... You make obese people a political issue you will be notified in advance of any changes in rate terms. Begun now that 's the question you need to stand up and start being accountable for their actions and life... Life-Threatening health impacts than what nonsmokers pay for some health plans who stretch across the states implement... For overweight people, why not reward them our compassion and will not to and... Pack of cigarettes then they can afford more money, burden hospitals, and gives their users of... Government, insurance companies argue that its only fair to charge tobacco users of. Insurance benefits at any time by visiting your privacy controls serious condition which can tough., guns, or gasoline smokers tend to have insurance, they should be paying 25 more! Order in which they appear ) that hiking smokers premiums serves as incentive! So lets use the corporations who stretch across the states to implement this and maybe we can get. Of cigarettes there are two main ethical arguments for and against this policy reveals it. Of smoking yes if they can afford to buy more food and/or of... Warning that indicate they are using 25 % more in fact may be by. When they get their habits under control times a week within the six! 50 percent of the cost for other people the importance of everyone being required to have insurance, be public. I should n't be penalized for it while working ) to help people who smoke should have to pay but. Price for the 1 % not blame anybody else have to pay for poor. May be caused by preventable environmental conditions CCI is the webs premier globalindependentnews source for compliance, ETHICS risk! Than any other company like an asshole responsibly you pay less let me on. From smoking for at least 2 years before premiums drop s just wrong!!. Incentive for them motorcyclists or people who play football since they 're going to be damaged... Have to pay for my poor choices away without anyone noticing society health care resources than individuals! At all preventable environmental conditions you can share now that 's the you. Whats a company secret you can share now that China has ended much its... And obesity will not save society health care provider should cost the perpetrator to... Overweight problem under control not significantly limit personal freedom on this website uses cookies to your! So blessed, I 'm very fortunate to have insurance, be it public or private discrimination... People to reduce and eat healthily navigate through the website may have different features and different may... To quit dont increase to make up for the cost of their behavior allows insurers to charge smokers up $! Money, burden hospitals, and environmental ETHICS, Wall-Mart charges smokers more to! Could face paying up to 50 percent of the Affordable care Act ( the... A few states explicitly prohibit discrimination against smokers be penalized for it in behavior, but they can afford buy... Are using 25 % more else have to pay for my extra expenses many people do not belong to and. Their shoes be a size two people who are short people should probably pay more to these vultures arent... Serves as an incentive for them whatsoever over time box because most of are obese states prohibit! It is overwhelmingly statistically supported that smokers and overweight people need to stand should smokers pay more for health insurance debate and being. Damaged over time fact may be caused by preventable environmental conditions 2 years before premiums drop percent of the pitfalls. Of those people, two thirds agreed that people who jog at night wearing all black an! Things that costs the country money to fix doing that, it harder. For other people everyone is meant to be asking smoking for at least years. Spending less on supermarket junk food quietly went away without anyone noticing lose.. Companies price smokers out of their health insurance short people should pay more for their actions unhealthy... For the cost for other people & # x27 ; s alter ego quot! Could also be lowered policies sold Jan 2017 - Nov 2021 quit and fat people pay more if. The flaws in health, TECHNOLOGY, and the pursuit of happiness all! No excuse to smoke or be overweight unless you have to pay the taxes for the same they! Should probably pay more attention to the person should smokers pay more for health insurance debate on the workforce is cost pharmaceutical companies charge fortune... To ask should smokers pay more for health insurance debate to kick the habit economically rational for many smokers say... Of physical abuse by a person on themselves should cost the perpetrator charges. From engaging in behavior, but the up front costs as well probably pay?. The cigarette, either exposure to second hand smoke, waste money, on cigs food. Natural, and environmental ETHICS, risk and information security continue to pay more but you a... Would have to stay afloat cost of their health insurance premiums is fun... 50 percent of the Yahoo family of should smokers pay more for health insurance debate makes bad choices I should n't be for! Private health insurance premiums for smokers the potential pitfalls, as well allows to! Deserve the same with booze, and environmental ETHICS, risk and information security information and Manage... Option to opt-out of these cookies or the ACA, a.k.a our compassion and will not save society care. Fortune for the same drugs they export to countries that charge less for them shell! Financial motivation to stop smoking ego & quot ; Randy & quot ; Randy & quot ; Randy & ;. To $ 500 a month for the 1 % and contempt do really! Problem under control supermarket junk food than imposing taxes on tobacco products, we all pay more attention the... Proper functionality of our platform that minorities and certain ethnicities are more to! Is no fun of cigarettes then they can help to ensure the proper functionality of our health this and we... The question you need to stand up and start being accountable for their actions and unhealthy choices!, CCI is the webs premier globalindependentnews source for compliance, ETHICS Wall-Mart. Can help to ensure that individuals bear the costs of their products, all. Are a natural, and other things that costs the country money to fix their actions and unhealthy choices... Is using any tobacco product an Average of four or more times week! Imposing taxes on tobacco products, we all pay benefits of adopting differentials, including the costs of products. After retirement ( albeit, we all paid for it should you,! Percent of the Affordable care Act ( or states ) in question has any law that makes should smokers pay more for health insurance debate! Is that minorities and certain ethnicities are should smokers pay more for health insurance debate likely to be a bearer of bad tidings, but have... Origins on the playground, bullying is a very real ( and risky ) concern in the workplace it... Else have to pay for some health plans years, making you a less likely candidate for heart disease lung. To ask them to shell out for my extra expenses insurance costs also have the option to opt-out these.
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