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Body Mass Index Can Land You Good Health Insurance Rates

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Consumers who fall in the optimum BMI range can save hundreds yearly on insurance premiums. How does this number affect your bottom line?

It’s a fact, having a good body mass index can ensure that people get a good health insurance rate. Body mass index , a fundamental measure of a person’s fitness, relates a person’s weight to their height. It’s a simple matter of your height / weight ratio falling within a certain average range. If the body mass index falls below a certain number, health insurance rates will be better. If the body mass index is higher than the average rule of thumb, your rates go up accordingly. To calculate your body mass index, take your weight in kilograms and divide by your height in meters

Take a 5′ 11″ man and take a look at the average body mass index for someone that height. The person should ideally weigh 215 pounds or less, to be able to take advantage of good health insurance rates. If the person is over 215 pounds, the rate goes up. For a female who is 5′ 5″ to get a good health insurance rate she needs to weigh 180 pounds or less. If she is over that weight, then her rates would go up accordingly.

Insurance companies do tend to look at the overall picture of the person who applies for health insurance. If one company declines to insure, another one may have a different approach. It makes good sense to shop around for different quotes, not because the pricing would be substantially different (insurance prices are federally governed), but because different companies may be willing to insure one condition that another would not.

Statistics show that being over your optimal weight and nudging into the overweight to obese category will increase your risk of heart disease, high blood pressure, type 2 diabetes, strokes, some types of cancer, and other life threatening medical problems. The more the population gains, the greater the impact this will have on a health care system already strained to the max.

Making changes in lifestyle choices will make an enormous difference for those wanting to have good health insurance rates. Companies that provide co-pay benefits to employees realize the risks of overweight workers, and are slowly turning the tide by providing incentives for employees to change their approach to health care self care. While it might be slow to get rolling, it’s definitely a start in the right direction.

To learn more, visit http://www.texashealthandlife.com.

Justin Lawhorn
Justin Lawhorn
I have been in the insurance business since 2001 and had the fortunate opportunity to start my own agency in 2002 as an independent agent offering group health insurance, individual health, life, and dental insurance.
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