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.

Even if you decide to do an online search for health insurance rates, you need to remember that if you have asthma, stomach problems or allergies, this will make a difference. Not telling the health insurance agent that you have these conditions is not even an option. If you go for treatment for them later, this discrepancy will be caught later and your insurance may be cancelled.

It doesn't mean you won't get health insurance, it just means your quote will be different than the person who is in super shape and has no pre-existing medical conditions. You may even be uninsurable depending on the condition you have. However, this is something you need to discuss with your health insurance agent.