Insurance Center

Your health history and your body mass index - your height to weight ratio - are very important regarding not only the cost of your private health insurance, but also your chance of being denied coverage. Insurance companies do not have crystal balls, but they are experts at analyzing numbers and trends. Men and women in various weight ranges have predictably different health care and health insurance costs.

It is not possible to predict what will happen to one individual, but when they look at big groups of people, they see definite patterns. They have a very good idea regarding which health conditions are most likely to cost them the most and will do what they can to keep their company profitable. It can mean that they will reject an application. They can also add a surcharge and/or eliminate health insurance coverage for a particular disease.

Exercise and enjoying a healthy lifestyle may lower the cost of your health insurance plan and extend the time you get to enjoy your life. Many health conditions are beyond our control, but many are controllable. Regular physicals, eating well, stress management and a myriad of other factors that are within your control can help you keep your medical bills and health insurance premiums lower.