On overweightness, of course much is caused by poor eating habits and lack of exercise, but recently there was an article about a certain small percentage of folks have a genuine hormonal problem involving a mutated gene that they name in the article:
Slow metabolism 'obesity excuse' true
By James Gallagher
Health and science reporter, BBC News
Even with a hormonal gene problem, it's famously hard to lose a lot of weight and keep it off, and not only (I've read) for reasons of low moral ability to behave well. I find a lot of condescension in the distaste people have for obese folk. My point? I think any insurance connection to the matter of obesity should be keyed to participation in nutrition classes or exercise programs and the like, and not be tied down to weight going down and staying down.
Even this is problematic since ideas of what is correct nutrition vary among experts. One thing I take as important is a change in eating choice lifestyle, not just repeated dieting.
Me, I've never been obese but I've gotten up to chub a few times in my decades.
Now I'm in the middle of normal range and like it there, but I've empathy for those trying to knock off pounds.
A tangent but similar subject - cholesterol:
I read long ago and it may still be true that there's a basic cholesterol production level that is genetic for each person. It can go up from there and that's when it is reasonable to work down to one's normal. Meantime, just yesterday I saw there was medial news - an opinion piece in the New York Times by two eminent experts that the call for increasing statin drug usage to people that weren't categorized up until now as needing statins is way off base. I won't give the link since I've used up my ten clicks a month for free with the NYT so I can't just open up the article and see the url. Easy to look up though - it's in the opinion section, written by John D Abramson and Rita F Redberg Nov. 13th; title - Don't Give More Patients Statins. I thought it was a good article myself.
This could get hairy if patients in the new zone for getting statins choose not to take them.... and be correct.
Also, I've read a lot over the years about cholesterol not being the main culprit in getting heart trouble, and re plaque formation, but don't have links at hand to substantiate my memory on all that.