If you’re shopping for affordable health insurance in Lexington, you’re going to have lots to think about before selecting your policy. Factors such as your age, gender, height, weight, current health conditions, and the number of family members will be used to determine your Lexington health insurance premiums.
Age and Gender
While you can’t change your gender (well, you can, but are any of us going to in order to affect our health insurance premiums?), and your age only increases, you may as well accept whatever effects these factors have on your Lexington health insurance quotes. Luckily other factors, such as your overall health, can help you out.
Height and Weight
Alright, after a certain age, you’re not getting any taller. The important thing is that your weight balances out with your height. Lexington health insurance companies will most likely take your weight into consideration when determining your health insurance rates. Therefore, you may want to take some time getting yourself in shape before selecting your affordable health insurance policy in Lexington.
Current Health Conditions
There are certain health conditions you can’t reverse (diabetes, AIDS, HIV, etc.), or need some help reversing (cancer, high blood pressure, high cholesterol, etc.). Make sure you select a Lexington health insurance policy that covers these health conditions. Not all policies will, so research each one carefully. You don’t want to purchase what you think is an affordable policy, only to find out later it doesn’t offer the coverage you need.
The number of individuals on the policy will obviously affect the cost. While you don’t want to leave your spouse and children out in the cold, there are ways to avoid higher premiums – if you can. For example, if you and your spouse are divorced, your children can be covered under the better, more affordable health insurance in Lexington. There’s no need for them to be covered under both policies, after all.