If you are wondering how Health Insurance Rates are determined, you’ll need to think about two different factors. The rates are typically determined based upon your own personal factors and as many people will tell you, it can be a very iffy process. Some of the factors have to do with things that you have little control over, while other factors are behavioral in nature. These things are combined to come up with health insurance rates for your coverage package. So how are health insurance rates determined?

How health insurance rates are determined using your medical history

When you go out looking for health insurance, you will have to submit to questions about your medical history. The agent who handles your claim will be asking you all sorts of things and many of them have to do with how you’ve treated your body. How active are you each and every day? Do you smoke or have you ever been a regular smoker? These questions might seem small and insignificant, but they’re actually quite important to the people who handle these things. According to your answers to these questions, your rates will be determined.

How health insurance rates are determined using your personal characteristics

The health insurance companies will also take into account some things that you have little or no control over. What are those things? You age, your height, your place of birth and where you’ve worked are some of them. As you will quickly discover, there are bunches of questions that will be asked and they’ll need every bit of information that you give them in order to come up with your applicable rates. These things that you have little control over are less important than the big things that you can control.