Health insurance quotes can change automatically for a number of reasons. Several factors such as age, recent changes in health, lifestyle, and current or past medication needs are some of the reasons health insurance coverage changes. Health insurance companies take factors like lifestyle and age into consideration because of the many health changes that take place in a human being's lifespan. A healthy woman who has had the same coverage for years may discover she is pregnant and the insurance company may automatically change her insurance quote to accommodate her pregnancy and well child care when the baby is born. The same principle applies to a father to be as the child will be covered under the parent's insurance plan.

Age is also a factor that contributes to health insurance coverage changes. A 45 year old man will have different health concerns than those of a 20 year old man. A 40 year old woman may require a mammogram but a 20 year old woman would not. Family history of diabetes and other illnesses that have an onset later in life are also factored in to any changes in health insurance rates and quotes.

Another contributing factor is the recent health history of the subscriber. Recent illnesses, injuries, and multiple conditions are also analyzed. If a person has multiple conditions affecting his or her health they also need multiple medications to control his diseases, so the health insurance company may also automatically change his rates or quotes.

Health insurance companies also look at a person's lifestyle to assess his health insurance needs. Whether a person smokes, drinks, or is overweight is factored in and the insurance quote will be different than that of a person who abstains from these habits.

Even factors such as a person's occupation affect these quotes. A good example of this is the different quotes for a fireman as opposed to those of a receptionist. Both people may be in equal health and shape but the insurance company will look at the risk factors associated with being a fireman and will quote different rates to each one. Likewise is the case for the different rates quoted for men and women of the same age.

These are some of the reasons why health insurance companies may automatically change previous insurance quotes. Many other factors may also be taken into consideration. Sometimes the company may look at preexisting conditions regardless of whether the issue has been resolved. All of these issues are researched by companies to arrive at a health insurance quote that is competitive with other companies as well as fair and balanced to their customers.