For most people obtaining health insurance coverage is a simple matter of filling out the forms but for others it is stressful when they reach the lengthy medical history questionnaire due to their medical history. This very comprehensive section of your medical insurance application determines not only the premium level you will be charge but also if you even qualify to receive medical insurance coverage at all.

According to US Census 60 % of people receive their health insurance through their employers and as part of a large group plan medical health history has little if any impact on the individual's premium or ability to receive health insurance coverage. 27% of the US population receives government sponsored health insurance, so medical history for these individuals has no effect on medical insurance premiums or ability to receive health insurance. It is the on 13% of individuals that do not qualify for either of the above that medical history can have a huge impact.

Individuals that are self employed or work for employers that offer no health insurance are faced with not only the challenge of finding affordable health insurance coverage but also passing the medical history questionnaire. The questionnaire on your insurance application is designed to determine risk factor and if the individual has a pre existing medical condition.

A pre existing medical condition is based on a thorough review of an applicant's medical history. If an individual has been treated for any of the following conditions, it may affect either premium or complete refusal of health insurance coverage: cancer, diabetes, cerebral palsy, Alzheimer's disease, emphysema, cardiovascular disease, immune deficiency disorders, asthma, neurological disorder and a history of domestic violence. This list is not inclusive. Some insurance companies even ask if there has been a death in the direct family due to a disease before the age of sixty. Also note that if you have a medical history of allergies, hay fever, sports injuries and major dental work these minor conditions can be interpreted as symptoms of larger disorders. This may result in higher premiums or denial of coverage.

Awareness of the impact of medical history on your health insurance coverage is power. Check with your state regarding legislation regarding coverage discrimination, as well as the policy cancellation. Also, check your rights regarding disclosure and privacy. Ask questions of your insurance agent regarding what is considered pre existing medical conditions. Finally, do not despair if you are refused health insurance coverage based on your medical history by one company you have may qualify for coverage through a company or group program, state health insurance or risk pool insurance.