The BMI and Health Insurance

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

Insurance firms aren't happy about this because your insurance is supposed to cover you for health risks. Well if your risks are higher as you weigh more, in that case your premiums are higher to cover those risks. Which means what we pay for a health insurance premium is basically around 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 a healthy body and at an optimal weight. They understand that when you are overweight or happen to be obese, your health problems will require more health care. It's just a fact, not a punishment. There are certain exceptions to all the guidelines of course, and you may want to speak to an experienced health insurance broker to find out what those exceptions could be.

It might be that you really can't stand eating fruits, nuts, veggies, lean meat and exercising more often, but if this means that in the end you save big money on your medical health insurance premiums, it could be worth it - don't you think? Not merely will your system say "thanks" so will your budget, and at this time with a serious recession, any money saved is a real blessing.

Clelland Green is with Benepath.com, a leader in providing health insurance quotes. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just several mouse clicks. For more information, visit http://www.benepath.com