Healthcare insurance is an all-important piece of the puzzle that is the American life. However, computing for the cost isn’t at all simple. Insurance companies keep several factors in mind when deciding to provide their services to a client.
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The Body Mass Index, or BMI for example, has one of the most significant effects on a healthcare premium. Consider two men with different BMIs applying for the same healthcare coverage. The man with the lower BMI will procure that premium at a much lower cost. Why? Because BMI has always been a telling factor in overall health. Having a high BMI greatly increases one’s chance for future heart disease.
Speaking of which, health insurance companies also take a long hard look at a person’s history when it comes to smoking. The same principle to BMI is applied. Smokers and people who chew tobacco will pay a lot more for their health care than those who don’t. This extends to people who’ve quit as well, if insurance companies find out they’ve been long-time smokers.
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Gender affects premiums as well with women paying significantly higher than men. No, this isn’t discrimination. Scientifically, women have a higher chance of going to the doctors, especially if people take into account maternity, pre and post-natal care.
Simple Health Plans provides only the best service to its clients. Learn more about health insurance and how to plan for it here .
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