If you are healthy and do not have any medical conditions your medical insurance rate is low due to your good health. Once this changes you can see an increase in rates from your current carrier. If you then try and shop with another company for competitive rates you will discover that since you now have a preexisting condition it may not be possible to get a lower price or even any coverage at all. Not every medical diagnosis has the same effect on your medical insurance premiums. Some ailments are considered high risk, while others are low grade. Understanding which category you fall into will help you navigate the ins and outs of insurance coverage and policy quotes.

As long as you are in good health you have no worries about the cost of insurance protection. Your health can be determined by your physical actions such as how you eat and drink and whether or not you exercise. Even smoking can affect your health. Once your status changes from excellent health to average or poor health to an insurance company you are downgraded as a higher risk. They will raise the price you pay to receive protection.

Your genetic DNA can also affect your health. This is something that you have no control over. If one or both parents have certain diseases or ailments the chances are greater that you too will contract it as well. There are genetic tests that you can take that will inform you of your chances and if you are in the early stages of the disease.

Your insurance company does have different levels that they assign to diseases. Although you may have a medical diagnosis that indicates an illness or disease it may not have a negative effect on the cost of your insurance. Certain diseases such as high blood pressure, high cholesterol, and even diabetes are considered low risk as they can be controlled with medical prescriptions, diet, and exercise. A life threatening illness such as cancer or Alzheimer's will raise premiums as they are considered a high risk to insure.

One benefit that many employed workers have is that they are on a group policy plan. Everyone receives the same rates for coverage. No one is discriminated against nor is a negative medical diagnosis held against them for rates. The downside is that should you decide to change jobs or become unemployed you may have higher medical premiums or find it difficult to obtain coverage because of a preexisting condition. For those that are unemployed one can remain on the employer's plan through Cobra insurance until new employment is found.