Health Insurance For Obese Adults

Ad Blocker Detected

Our website is made possible by displaying online advertisements to our visitors. Please consider supporting us by disabling your ad blocker.

Purchasing health insurance for obese adults isn’t easy. Applicants must fill out extensive applications, submit physician statements, and often go through a physical exam. The insurance provider may review public documents, motor vehicle reports as well as prescription history.

But, the simplified issue and guarantee issue policies do not require inspection, and issue can take only a few hours.

Life insurance

Obese adults often pay higher premiums for life insurance, however there are options to receive lower rates. A variety of insurance providers offer preferential score to people that are obese or overweight. You must remember that your score can be affected by numerous factors. The rejection could also occur for significant health concerns, such as diabetes.

It is essential to be honest and be able to provide the most pertinent information including your BMI and weight. The possibility is that you could receive a reduced rate after quitting smoking.

Being overweight could negatively impact your health. The CDC has a definition of obese as people who have excess weight. If your weight is within the normal limits, you’ll be able to locate a policy that is affordable.

For example, a woman who weighs 166 pounds and stands 5’4″ can get the best rates on life insurance, provided she remains within the recommended standards. However, if you’re over 180 pounds, you’ll have a difficult time getting the best rates.


Health insurance contribution rates for obese individuals are significantly greater than that of normal-weight adults. However, this finding is not a requirement that obese people should be removed from health-insurance plans.

According to the United States, the average contribution rate for adults is 14.6%. While a variety of different factors can influence medical insurance rates, the studies’ findings do not prove that these rates must be too high or not enough.

Overweight people are more likely to be refused major health insurance. There is a chance that the coverage could be limited or not available at all as the costs are greater. The Journal of the American Medical Association declares that over 1/3 of American adults are obese or overweight.

The majority of them are 32.3 percent of men while 35.5 percent of women weighed more than the ideal weight for their height. The people are all different races, ages, and different ethnicities.

The retrospective data of medical expenditure panel surveys utilized in this study. This data included information regarding health insurance related to obesity between 2001 and 2016. Study participants were adults between 20 and 65 who had at minimum an unborn child.

It was the primary objective to determine the share of medical costs resulting from overweight by payer type and the medical type and medical care category.

The results were presented at the national as well as the twenty-fifth highest population levels. The study used a two-part instrumentation method to calculate expenditures according to category. The child’s BMI is the basis for calculating the respondents’ BMI.

Policies options

It is difficult to find affordable insurance for obese adults. Though many insurance providers provide a lower-cost option for their customers, it’s still prohibitive. Fortunately, many government programs to aid in making health insurance affordable for obese adults.

For example, Medicaid covers more than four out of five obese adults. A few states are even starting to offer policies for obese adults.

Guaranteed issue life insurance may be the best choice to those who need health insurance. Premiums are higher caused by obesity. Guaranteed issue policies can provide coverage that can go up to $25,000 with no necessity of a physical.

It requires coverage to commence after a wait period of two years. This type of policy can be higher priced than those that are offered to those having better health.

In the process of looking for health insurance for obese adults, it’s vital to note that insurance providers have distinct criteria to cover. In order to get the same insurance even if you smoke cigarettes, you will need to get a separate plan.

It is possible to qualify for insurance under the category you prefer if being in good health. If you’re obese, then there is a chance you should look at Standard Plus or Standard.

Underwriting process

The obese adult has a different underwriting process than those with regular BMI. Because of the risk of many diseases associated to obesity, life insurance companies take into account a number of variables in determining whether an applicant is eligible for coverage.

It could be based on age or family history. Insurers will be able to classify overweight applicants as normal or preferred risk by examining their medical records.

While medical underwriting processes vary within insurers but they all comprise the analysis of definable medical conditions as well as other negative underwriting decisions.

There are some insurers that use post-claims underwriting in order to assess a policyholder’s risk or health condition. Thanks to the Affordable Care Act has made the process more efficient and less time-consuming.

A well-designed underwriting process simplifies the process of enrollment and increase transparency. This will improve customer service and improve conversions. Direct-through processing rates are enhanced by making use of advanced analytics and digital channels.