Editorial Note: This is a guest post from Brooke Niemeyer, Editorial Partnerships Manager at Policygenius.

There are a lot of things that can Impact your finances, from little things like how frequently you pay food delivery fees to major expenses like student loans. But did you realize your Health could be influencing your bottom line too?

Here are a few ways having (or not having) a clean Bill of health matters to your wallet.

Insurance rates

Policygenius just took a look at how different health conditions — from tobacco use to high blood pressure — impact a life insurance policy. Smokers pay a monumental 342% more than average. We also discovered which states are the healthiest (and those that could use some work). You can find out where your state ranks by checking out the full report here.

Added expenses

We all have our vices, but some of these can be harmful to your health — and your finances. Think of this: The average price for a pack of cigarettes, including taxes, is $6.16. And people are paying anywhere from $20 to $30 for the starter vape and about $10 for each bottle of e-liquid. Whatever your vice, the expense adds up quickly and can be a drain on your wallet.

Budget

When you made your budget, did it include setting some money aside? If not, it should. If you suddenly have a health emergency that you hadn’t been saving for, you could be facing a financial crisis. After all, hospital bills add up fast. Speaking of which…

Credit

Medical needs of any kind, whether a doctor visit or a ride in an ambulance, are expensive. And they usually aren’t avoidable. If you are late to pay your share of the bill, or even neglect them all together, your credit will take a hit. You can read more about how medical bills can land on your credit report here.

Taxes

Now that tax season is in full swing, this is something on many of our minds — and taking care of your health can play a role. If you went without a health care plan last year, you’ll get hit with a penalty (either 2.5% of your taxable income or $695, whichever is larger) when filing your taxes this year. Don’t make that mistake again this year, as that mandate is still in effect (the repeal doesn’t start until 2019).

Time off work

Hey, sometimes you have to take a sick day. No one wants you coming to the office when you have the flu. But what happens if you use up your allotted sick days and you have to take time without pay? Of course, there are medical leave options if you have to be out for an extended period of time, but those disability checks are usually only a portion of what your regular paycheck would be.

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