How Your Lifestyle Affects Your Health Insurance Premiums

​Health insurance is a policy that may assist with your expenses for hospitalizations, medications, and medical bills. It can be a one-of-a-kind investment wherein you may be given financial security in a health crisis.  

Your Lifestyle
Lifestyle does not just pertain to how healthy you eat. It also defines how you live in totality. Aside from your eating pattern, it also includes sleep hygiene, habits, work, and activities. So how does your lifestyle in the majority affect the premiums? Let’s look at the reasons one by one:

1. Eating Patterns and Sleep Hygiene
   Your eating and sleeping management both affect your health. Not being able to manage these two may increase the risk of developing serious illnesses such as hypertension, diabetes, and heart disease. Being susceptible to sickness means you may have to pay more to be insured. In some cases, companies require additional health tests to determine if you are fit. 
   
   
2. Habits
   One of the factors that they may take into account when applying for insurance is if you are a smoker or not. Undeniably, people who are smokers are much more prone to diseases. The same can be for people who habitually drink alcohol and those who use substances. Higher premiums may increase when you engage in risky habits. 
   
   
3. Activities
   Hobbies that you enjoy may also be one of the reasons for a high premium. Leisure activities like trekking or spontaneous traveling are considered risky activities. The same may be with life-threatening occupations. 

Conclusion
Health insurance may benefit everyone, especially those who have an active lifestyle. It may affect your premiums, but it may give you security and assurance if anything happens to you. Either way, having a backup plan like health insurance, even with an active lifestyle or just being safe at home, may be very helpful for you and your plans.

At Best Insurance Group, LLC, we do our best to make sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (970) 674-5000 or CLICK HERE to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!