How to Get a “Sweet Deal” on Your Health Insurance:  How Your Health Affects Your Insurance Premiums

“Me Want Health Insurance!” That’s what our ole pal Cookie Monster has been saying these days. But why now! This blue bad boy just got his TV contract renewed and a new pimped out brownstone on Sesame Street, so he’s stepping things up and protecting his health by purchasing an insurance policy. Now, don’t get it twisted! You won’t see him on the front cover of Muppet Health. He still chomps down several handfuls of his favorite baked goods on a daily basis. Nah, he hasn’t changed. He throws them back left and right, getting crumbs all over the place. What a mess! There he goes again, “Om nom nom nom……”

This dude with the sweet tooth might have a bit of a problem. It may cost him some real dough for a health insurance policy. He has some risky health practices, which may result in obesity, diabetes and a host of other illnesses. These factors may make his premiums more expensive. Sure, he throws in some vegetables and fruit here and there, but chocolate chip cookies are his main vice and he’s not slowing down. In fact, if you’re looking for him on a Saturday night, you can find him at the chip joint with his boys, Oscar, Ernie, Bert and Grover doing cookie shots all night long.

At Achieve Financial group, we’re aware that our furry friend has an obsession with unhealthy snacks, so he’ll need to change his diet if wants to get a better insurance rate. These are some specific physical and lifestyle criteria that could result in a higher premium.

 High Body Mass Index – If your body mass index is high, you’re at risk for diabetes, sleep apnea, a heart condition and joint problems.

 Smoking and Tobacco Use – Smoking cigarettes and chewing tobacco puts you at higher risk for diseases like emphysema cancer and heart disease.

 Gender – Women make more visits to the doctor and are apt to develop more chronic diseases. They’re premiums are usually higher. Women also need maternity insurance, prenatal and postnatal care.

 Age – Younger people have fewer health conditions than older people and don’t visit the doctor as much as older people, so their premiums will be lower.

 Pre-existing Medical Conditions – If you have a pre-existing condition, you’re likely to have additional health related issues.

 Family History – If you have a family history of certain medical conditions, there’s a probability that you may have them too, so your premiums may be higher.

 Profession – If you have hazardous work conditions, your premiums may be much higher.

Be a tough cookie and put some distance between you and your buddie’s oatmeal raisin, snickerdoodle and white chocolate macadamia nut. Lower your health risks and be aware of conditions that will raise your premiums. So, the next time you have a monster appetite, remember C is for Cookie, but H is for Healthy. Check out our online quick and easy individual or family health insurance quote at today!

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