Whether or not you are fit or overweight makes a big difference to your health insurance premiums.

This really should make some sense when you stop to consider what
we're saying here. If you are overweight to obese it will affect your
health insurance rates. Weighing too much means your health risks
increase.

There is a little something called the body mass index, or BMI, that
is used as a rating factor when people buy health insurance premiums.
So, if you’re too heavy for your height, you are paying more money to
get decent health insurance. Now that may not be something you want to
hear, but it's a fact and is the way the health insurance industry is
operated.

If we’re overweight then that means we are largely responsible for
what we are paying out in health care costs. Here's another startling
fact – our health system is in the mess it is now because we have been
overusing it and yes, abusing it shamelessly. It's up to us to make
responsible personal health care choices, not up to the system to try
and keep us well when we turn around and sabotage their efforts at
every turn.

This means we are largely responsible for what we pay for health
care. As radical as that may sound, the health care system is in the
mess it is today because we are overusing it and abusing it. It's time
we took responsibility for our personal health care choices.

The more overweight we are, the more our chances of developing a
serious illness. You have to realize this too, that health insurance is
about covering you for potential illnesses; however, if you choose to
be overweight (there are exceptions to this) the insurance industry
regards you as taking risks with your health. So, if you are choosing
to be heavy, you will pay a higher insurance premium.

Let's face it, insurance companies don't run charities, they operate
with a finely tuned bottom line. If you are heavy by choice or due to
laziness, you will pay more because the business of health insurance
only really wants to insure healthy people at their optimal weights.
Insurance companies are businesses – period. They will risk money on
those who are in good shape, but they really don't like covering
someone who will cost them money.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.