Health Insurance for Overweight Individuals
Depending on your health insurance provider, if you are overweight you may have to pay higher premiums due to the increased risk to your health. Depending on how overweight you are, you may have difficult getting and maintaining health insurance. Generally, the rationale is simple, overweight people are more likely to cost the health insurance more money due to health issues, they are at a higher risk than an individual of average size.
It is estimated that approximately sixty percent of all adults and about thirteen percent of children in the United States are overweight. Also, it is estimated that about 300,000 Americans die each year from some medical issue that has been adversely impacted by being overweight or obese.
Obesity, Health, and Risk of Problems
The primary concern of the health insurance provider is the increased risk of health problems caused by being overweight. Obesity can adversely impact a number of medical conditions to include breast cancer, diabetes, stroke, kidney disease, cardiovascular disease, and others. In addition, smoking, having high cholesterol or high blood pressure will put an overweight person at higher risk for having increased premiums or denial of coverage.
Calculating Body Mass Index (BMI) When Considering Health Insurance Plans
Generally, medical professionals used a body mass index (BMI) calculation to determine if you are obese. The calculation is your weight in kilograms divided by your height in meters squared, a BMI of 25 to 29.9 is considered overweight and 30 is considered to be obese.
The BMI calculation is generally what is used to determine how much your insurance premiums will be. Generally, the better your BMI index is the greater your chances are for getting and maintaining health insurance coverage at a reasonable rate.