Do health insurance rates increase if they find out you have a medical condition?

  • by connor
  • Apr 12,2018
  • 7 answers

The other day, in my college physiology class, we did this lab. In one part of the lab, we had to test our blood pressure with a high-tech monitor. After testing a couple different times, I noticed that my blood pressure was at 144/93, which is classified as hypertension. I was not in any sort of abnormal condition, and the monitor was a pretty high end one, so I know the reading is accurate. I don't want to officially get this evaluated by a nurse or doctor because I would rather not make my parents pay for that. Also, I am worried that if I get officially diagnosed and if my health insurance finds out that I have this condition, my rates will go up. I would definitely not want my parents to pay for this. Would this occur in the event that I am diagnosed with hypertension?


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Insurance Answers (7)

Casey Y 3 months ago

Wouldn't fluctuate based on your hypertension whatsoever.

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David 14 3 months ago

SOmetimes. Depends on the type of policy.

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Flower 3 months ago

Not under the ACA passed in 2010. If you are a student your reading was much too high and dangerous at your age. Better see a doctor and find out how to reduce it, without taking medication. You are young enough to do something about it, mainly exercise and diet. Get yourself in shape. Insurance companies have access to medical records. The law could change.

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A Hunch 3 months ago

No.
health insurance rates are based on your zip code, your age, and if you are a smoker or not.
If you are a smoker = stop.
Did someone manually take your blood pressure or was it the automatic machine version?
For some people the machine will not take accurate readings.

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Joe 3 months ago

Under current law, your rates would not go up.
(If the Republicans manage to repeal the ACA, anything could happen. But mild hypertension is easily treated with inexpensive medicines. Get it checked out.)

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StephenWeinstein 3 months ago

Health insurance rates ALWAYS increase.
Health insurance rates increase every year, whether you have a medical condition or not.
However, they don't increase BECAUSE of the medical condition.
And they don't increase any more than they would have increased if you didn't have the condition.

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babyboomer1001 3 months ago

It would not raise your rates even if it was documented. However, if the condition were very expensive to maintain, by prescription or otherwise, and the insurance company was paying out a lot of money because of it, then it would raise the rates. But, not just by having it, especially under their policy. If you were to obtain life insurance, if the condition required a prescription and it worked to maintain it, it would not raise the cost of life insurance. However, if the prescription could not maintain the condition as "normal", then the cost of life insurance would be somewhat higher than if the condition were maintained by prescription or if you did not have it.

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