Insurance Providers

What you got was a "preferred rate" quotation: it does not mean you will get that rate. The fact is that when health insurance companies figure out health insurance rates, they have a "preferred" rate for someone in tip-top shape.

But not all of us are in that kind of shape. Your rates are figured according to your health condition. If you have a health issue, then this may mean you will be moved to a different category and have a different rate to pay for your health insurance.