Health Insurance Quotes Knowledge Base

The BMI and Health Insurance

What in the world is a BMI? A new kind of car? No, it refers to your Body Mass Index and the fact that your BMI makes a difference in the health insurance rates you pay.

While this may come as a shock to you, it does make some sense. If your BMI shows you are too heavy for your height, you might wind up paying a higher health care premium, which makes sense if you stop to think about it. The more you weigh, the higher your risks of developing some serious health issues.

Insurance companies aren't happy about this because your insurance is supposed to cover you for health risks. Well if your risks are higher because you weigh more, then your premiums are higher to cover those risks. That means what we pay for a health insurance premium is basically up to us and our choice of lifestyle. Kind of a scary proposition, isn't it?

While you might be rather offended that you pay more because you weigh more, the insurance business is in the habit of taking smart risks on those in good health and at an optimal weight. They know that if you are overweight or happen to be obese, your health problems will require more medical care. It's just a fact, not a punishment. There are certain exceptions to all the rules of course, and you will want to talk to an experienced health insurance broker to find out what those exceptions may be.

It might be that you really don't like eating fruits, nuts, veggies, lean meat and exercising more, but if it means that in the long run you save a lot of money on your health insurance premiums, it may be worth it – don't you think? Not only will your body say "thanks" so will your budget, and right now with a serious recession, any money saved is a real blessing.

To learn more, visit Benepath.com