Are there meaningful differences in how insurance companies underwrite health insurance applications?

Yes. For example, one insurance company assigns "preferred" rates to a 5'10" male who weighs 215 lbs. Another insurance company would assess an additional 40% charge for this person. One insurance company charges an additional 40% for smokers. Another charges an additional 25%. There are many, many distinctions such as these. To get the best health insurance value for your own situation, you need the advice of a quality health insurance agent.  more

Yes. For example, one insurance company assigns "preferred" rates to a 5'10" male who weighs 215 lbs. Another insurance company would assess an additional 40% charge for this person. One insurance company charges an additional 40% for smokers. Another charges an additional 25%. One might not charge a rate increase at all. There are many distinctions such as these. To get the best health insurance value for your own situation, you need the advice of a good health insurance agent.  more

Yes. For example, one insurance company assigns "preferred" rates to a 5'10" male who weighs 215 lbs. Another insurance company would assess an additional 40% charge for this person. One insurance company charges an additional 40% for smokers. Another charges an additional 25%. One insurance company turns down a man with hypertension. Another agrees to insure him. This is an area of health insurance where a quality agent makes a big difference.

Yes. For example, one insurance company assigns "preferred" rates to a 5'11" male who weighs 225 lbs. Another insurance company would assess an additional 40% charge for this person. One insurance company charges an additional 40% for smokers. Another charges an additional 25%. One may not charge a rate increase at all. There are many guideline variables such as these. To get the best health insurance value for your own situation, you need the advice of a good health insurance agent.  more