Health insurance quotes can be higher for you if you have an illness than for those who do not, especially if you want an individual policy rather than being a part of a group policy. Depending on which illness you have and the anticipated cost to the treat it, the insurance company will base a portion of their premium on the illness. Insurance companies balance their income with their expenses. Their income comes from the premiums which you pay on your health insurance policy. The largest portion of their expenses is the claims that they pay to doctors, hospitals, labs and others in the health care industry. When they anticipate higher claims because of a specific illness, the insurance company will raise their premiums.

Forecasts of the cost of medical treatments are based on historical costs using actuarial mathematics. For example, a person with diabetes will generally have higher future expenses for certain treatments, like eye care, and will certainly have higher expenses for medical devises like blood testing supplies and for medications, sometimes hundreds of dollars a month. Because of these anticipated additional costs for treatment, the health insurance quotes for a person with diabetes will be higher than for a person without the illness.

An offsetting factor is how the insurance company evaluates the future costs for a group, commonly called a pool. If the group that is requesting health insurance quotes has a large pool of people covered by the health insurance policy, the number of people with a specific illness will balance out and come closer to the national frequency for the illness. For example, not everyone in a company will have diabetes. If the number of people covered by the health insurance policy is large, the percentage of people with diabetes will start to come close to the national average for the disease, and the quote for the group policy premium will be lower. If you can join a group that offers a group health insurance policy, you will generally find that the premium will be lower, even if you do have an illness that would make the premiums on an individual policy more expensive.

Another circumstance that can reduce your price for the health insurance quotes are the co-pay and the deductible amounts in your policy. If the individual being insured will agree to pay for the smaller, more predictable costs, the insurance company will charge a lower premium for the huge costs of catastrophic coverage.

Finding a group that offers a group health insurance policy and examining the different premiums for different co-pays and deductible amounts can help you find the policy that best fits your budget.