Can I be charged more for my company offered health insurance because I smoke or am overweight?
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Can I be charged more for my company offered health insurance because I smoke or am overweight?
Cost of insurance due to smoking or obesity.
Asked on January 12, 2012 under Insurance Law, Michigan
Answers:
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 13 years ago | Contributor
Yes, your annual premiums for health insurance could very well be higher than a person of the same age and gender who is not overweight and does not smoke. The reason for the disparity in annual premiums is that medical evidence demonstrate that smokers and overweight individuals are more at risk for health issues than those that are not.
As such, insurance carriers as a means of allocating the risk of loss amongst as part of its operational costs charge smokers and individuals who are overweight higher premiums.
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