“I work out, am careful about what I eat. I only see doctors for preventive exams, then why is my insurance premium the same as other people that don’t take care of themselves and that are ill and must be in the hospital and all that stuff?”
This is something I hear all the time from people. They feel like they should get a break on their health coverage costs because they take care of themselves, and they don’t use their plan. “Why am I paying all this money and I’m not using it at all?”
Well, the reason that happens is if you’ve purchased health coverage in the marketplace, all Obamacare plans, all plans that are part of the ACA allow for what’s called guaranteed issue. That means no matter what your health care concerns are. You get a plan. Your plan premium is based on #1 age and #2 on where you live. That’s what determines your premium.
People get frustrated all the time. But there is an option out there for those of you who are healthy. There are plans that are underwritten, meaning you must go through a medical questionnaire. You must agree to look back in your history, both prescription and doctor treatments, but you can save hundreds if not thousands of dollars a month on your health care coverage if you look at an underwritten plan and you can qualify.
