Your job or profession is one of the most significant ways that you define yourself to the rest of the world. You may be a teacher, a banker, a truck driver or a salesperson. This kind of description is more than a title; it tells others what you do for a living, what kind of skills that you possess, and even what kind of personality that you may have. However, your profession can do more than simply describe you to other people. It can have a major impact on health insurance quotes that you will receive, and even on the insurance coverage that you will be offered.

Insurance coverage is based on assessed risks. The insurance company considers all of the available information about you and your lifestyle and decides what the risk is that you will eventually make substantial claims against your policy. The higher the risk is, the more likely the insurance company will either charge you higher premiums for your insurance coverage or deny you coverage altogether. In making its risk assessment, the insurance company will consider such factors as your own medical history, your family's medical history, lifestyle choices such as smoking and drinking, and even your profession.

Many jobs and professions come along with specific health risks. Long-haul truck drivers and loading dock workers have higher rates of back problems. Factory workers have higher rates of industrial accidents. Office workers have higher rates of Carpal Tunnel Syndrome. Managers and executives have higher rates of stress-related disorders. Teachers and day care workers are more likely to contract infectious diseases. The health-related tendencies associated with a particular job or profession translates into a quantifiable risk for an insurance company. As the risk increases, the insurance company will seek to minimize its exposure to the risk by charging higher rates or refusing to provide insurance coverage.

Thus, your job or profession can have a direct impact on your health insurance quotes. However, it is only one of the many factors that the insurance company will consider. A worker in a higher risk profession may still be able to find affordable health insurance because some of the other risk factors are more favorable in the insurance company's estimation. For example, an insurance company might consider that police officers, in general, are in a high risk profession. However, for a particular police officer who has had no major health issues, presents few risks factors in his or her family history, and is a non-smoker, the insurance company may balance the risks of the profession against the other favorable factors and offer affordable insurance coverage. High risk professions do not, on their own, result in a denial of coverage.