If I Lose Weight or Get Healthy, Can I get Better Rates on Health Insurance?

Answer:
Yes – the cost of health insurance

is less expensive if you’re healthy. If you’re not as healthy as you can be, you will certainly pay more for health insurance.

Health insurance companies usually require testing and medical exams before they will issue you a health insurance policy. If you are able to apply for coverage during an “open enrollment” through a spouse’s insurance plan, you will still have to meet certain requirements. The insurer does not cover any medical conditions that they deem “pre-existing” for at least 12 to 24 months. Depending upon the type of your medical condition, the insurer may place an exception, such as a higher deductible, for any illness related to a specific condition onto your health coverage policy.

If you’re a smoker, or are overweight, the cost of insurance will be higher since smoking and weight gain both increase the possibility of other medical conditions.

A healthier lifestyle will benefit you and save you money too!


	more Q&A sessions like this
	I would like to Quit my Job but I'm not sure if we can Afford Health Insurance. Where Can I Get a Health Insurance Policy Quote? I’m Single and In Great Health, Do I Need Health Insurance? Do Smokers have higher Health Insurance Rates? How Can I Reduce My Health Insurance Premium? Can I Deduct Health Insurance Premiums as a Business Expense? I accidently let my Health Insurance Policy Lapse, what should I do? What is the Effective Date of a Health Insurance Policy? Is health insurance the same thing as healthcare? I Lost my Job, does my Family still have Health Coverage? What is considered Elective Surgery? Will my Health Insurance pay for Breast Implants? Will my insurance pay for LASIK eye surgery? What is Health Care? Should I Purchase Travel Insurance for my Cruise? What are Employee Benefits? What does an Actuary do? What are the Top Cities for Appraiser Careers? What Does a Claims Adjuster Do? What are the Top Cities for Claims Adjuster Careers? What Information Can You Provide on Rhode Island Unemployment Benefits?