Stress Management Blog

Five Health Factors That Can Raise Or Lower Your Insurance Payment

When applying for health insurance, there are many different factors that can have an impact on how much you pay in premiums. Your overall health will change how much you have to pony up to every year. Here are five of the most important health factors that can raise or lower your insurance payment.


One of the most important factors that helps determine how much you pay for insurance is your weight. If you are overweight, you will pay more than someone who is within acceptable weight range. The insurance company uses a table that shows weight ranges for each person based on their age and height. If you are over that range, then you fall into a category of policyholders that have to pay more for their premiums.

Blood Pressure

In addition to looking at your height and weight, the insurance company will also take blood pressure readings when you apply for health insurance. If your blood pressure is higher than a certain range, you’ll have to pay more for your health insurance premiums. High blood pressure can be a sign of a number of different health conditions. In order to make sure that the insurance company can still make money, it has to charge more for individuals who fall into a high risk category like those with high blood pressure.

Tobacco Use

Whether or not you use tobacco can also have a drastic impact on how much you pay for health insurance. Tobacco use is linked to a number of different health conditions. This is true whether you use smokeless tobacco or smoke cigarettes. If you use either one of these types of tobacco, you could have some negative health factors for the insurance company to cover. For example, if you smoke, you are much more likely to suffer from emphysema or lung cancer. If you chew, you’re much more likely to have mouth cancer.

Past Medical History

When determining how much you’ll have to pay for health insurance, the insurance company will also look at your past medical history and your family’s medical history as well. While past events do not always lead to future problems, they can be a good indicator. If you have had heart problems, lung issues or anything else that could lead to future trouble, the insurance company will likely charge you more.

Heart Rhythm

In many cases, insurance companies will require you to take an EKG so that they can gauge the rhythm of your heart. If you have any irregularities in your heartbeat, it could be a symptom of many different types of health conditions. As long as your heart beats normally, you should be able to get into one of the lower premium categories as long as all of the other factors check out.