Health Insurance for Preferred Risk Individuals
Healthy people who meet specific medical guidelines may qualify for significant health insurance discounts in the same way that individuals with clean driving records qualify for deep discounts on their auto insurance rates. Overall, about one in twenty Americans qualify for this discount and not all health insurance companies offer this type of pricing methodology
To qualify for preferred risk rates, an applicant must
1. Have a build that falls within the normal range as determined by AMA gender-specific height/weight guidelines (Also called Body Mass Index (BMI)).
2. Not be taking any prescription drugs at the time of application and
3. The applicant should be generally free of significant medical treatment for the past five years or more. A normal healthy physical exam with favorable BP, cholesterol measurement and blood test with normal results should have been completed within the past twelve months.
Typically, preferred risk applicants favor high-deductible low cost health insurance plans including insurance that qualify as Health Savings Accounts. The discount for these applicants can range from about $200 for an average single to about $600 for a typical family.
Because of the strict scrutiny of applications for preferred risk plans, it is best to continue other health insurance until the preferred risk plan is approved.
The links below will provide specific resources that will help you choose health insurance in your state, as well as multiple carriers offering online health insurance quotes.
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