ill not immediately disqualify you from being approved for health insurance but it really doesn't help your over all cost. Smoking not only increases your health risks but will also increase your insurance premiums. Depending on who you want to get insurance from and what type of insurance it could cost between 10%-50% more.

Oh and if you think that you can lie and say you don't smoke when you do you'd be wrong. Most insurance companies request exams from a physician as well as blood and other tests, one of which checks for tobacco use.

This concludes the first part in this article series. This article is part of a series I am writing about Getting approved and denied for health insurance. Keep an eye out for part two which will cover medical history and how it can effect your approval success and monthly premiums.

If you are not eligable for free health care though the state or are self-employed and can't get a group discount through an employer then your only other option f

If you are in need of health insurance then read this information carefully. The content of this article could make the difference between the approval or denial of your health coverage and thus the difference between a monthly premium and a catastrophic medical bill sending you and your family to the poor house.

Height and Weight

Insurance companies will look at how tall you are by how much you weigh. They do this because individuals who are over weight have a higher risk of developing health problems such as:

Hypertension (high blood pressure)

Osteoarthritis (a degeneration of cartilage and its underlying bone within a joint)

Dyslipidemia (for example, high total cholesterol or high levels of triglycerides)

Type 2 diabetes

Coronary heart disease

Stroke

Gallbladder disease

Sleep apnea and respiratory problems

Some cancers (endometrial, breast, and colon)

And if you are underweight you may be at a greater risk for these known health conditions

Higher risk of osteoporosis.

Decreased immune system, eg. more colds and flus.

Period cessation or irregularities.

Infertility

Being overweight or underweight may not disqualify you from getting health insurance (in some cases it can) but it can certainly have an effect on how much your premium will amount to. Having any one or two of these problems will probably not disqualify you for health insurance but may result in a certain percentage of increase in your monthly payments.

Smoker or Non-smoker

We all know that smoking can increase the risk of many medical problems such as:

Cancer: Smoking increases your chances of getting cancer. Cigarette smoking may play a role in developing many kinds of cancer. Lung cancer is the most common kind of cancer caused by smoking. A smoker is at greater risk of getting cancer of the lips, mouth, throat, or voice box. Smokers also have a higher risk of getting esophagus, stomach, kidney, pancreas, cervix, bladder, and skin cancer.

Heart and blood vessel disease:

If you already have heart or blood vessel problems and smoke, you are at even greater risk of having continued or worse health problems. The nicotine in the tobacco causes an increase in your heart rate and blood pressure. The arteries (blood vessels) in your arms and legs tighten and narrow because of the nicotine in cigarette smoke. Cigarette smoke increases blood clotting, and may damage the lining of your heart's arteries and other blood vessels.

Carbon monoxide is a harmful gas that gets into the blood and decreases oxygen going to the heart and the body. Cigarette smoke contains this gas. Hardening of the arteries happens more often in smokers than in nonsmokers. This may make it more likely for you to have a stroke (blood clot in your brain). The more cigarettes you smoke, the greater your risk of a heart attack.

Lung disease:

The younger you are when you start smoking, the greater your risk of getting lung diseases. Many smokers have a cough which is caused by the chemicals in smoke. These chemicals harm the cilia (tiny hairs) that line the lungs and help remove dirt and waste products. Depending upon how much you smoke, your lungs become gray and "dirty" (they look like charcoal). Healthy lungs are pink.

Chronic bronchitis is a serious lung infection which is often caused by smoking. Emphysema is a long-term lung disease that may be caused by smoking cigarettes. Cigarette smoking also makes asthma worse. You are at a higher risk of getting colds, pneumonia, and other lung infections if you smoke.

Gastrointestinal disease: Cigarette smoking increases the amount of acid that is made by your stomach, and may cause a peptic ulcer. A peptic ulcer is an open sore in the stomach or duodenum (part of the intestine). You may also get gastroesophageal reflux from smoking. This is when you have a backflow of stomach acid into your esophagus (food tube).

Smoking will not immediately disqualify you from being approved for health insurance but it really doesn't help your over all cost. Smoking not only increases your health risks but will also increase your insurance premiums. Depending on who you want to get insurance from and what type of insurance it could cost between 10%-50% more.

Oh and if you think that you can lie and say you don't smoke when you do you'd be wrong. Most insurance companies request exams from a physician as well as blood and other tests, one of which checks for tobacco use.

This concludes the first part in this article series. This article is part of a series I am writing about Getting approved and denied for health insurance. Keep an eye out for part two which will cover medical history and how it can effect your approval success and monthly premiums.

If you are not eligable for free health care though the state or are self-employed and can't get a group discount through an employer then your only other option f

own health conditions

Higher risk of osteoporosis.

Decreased immune system, eg. more colds and flus.

Period cessation or irregularities.

Infertility

Being overweight or underweight may not disqualify you from getting health insurance (in some cases it can) but it can certainly have an effect on how much your premium will amount to. Having any one or two of these problems will probably not disqualify you for health insurance but may result in a certain percentage of increase in your monthly payments.

Smoker or Non-smoker

We all know that smoking can increase the risk of many medical problems such as:

Cancer: Smoking increases your chances of getting cancer. Cigarette smoking may play a role in developing many kinds of cancer. Lung cancer is the most common kind of cancer caused by smoking. A smoker is at greater risk of getting cancer of the lips, mouth, throat, or voice box. Smokers also have a higher risk of getting esophagus, stomach, kidney, pancreas, cervix, bladder, and skin cancer.

Heart and blood vessel disease:

If you already have heart or blood vessel problems and smoke, you are at even greater risk of having continued or worse health problems. The nicotine in the tobacco causes an increase in your heart rate and blood pressure. The arteries (blood vessels) in your arms and legs tighten and narrow because of the nicotine in cigarette smoke. Cigarette smoke increases blood clotting, and may damage the lining of your heart's arteries and other blood vessels.

Carbon monoxide is a harmful gas that gets into the blood and decreases oxygen going to the heart and the body. Cigarette smoke contains this gas. Hardening of the arteries happens more often in smokers than in nonsmokers. This may make it more likely for you to have a stroke (blood clot in your brain). The more cigarettes you smoke, the greater your risk of a heart attack.

Lung disease:

The younger you are when you start smoking, the greater your risk of getting lung diseases. Many smokers have a cough which is caused by the chemicals in smoke. These chemicals harm the cilia (tiny hairs) that line the lungs and help remove dirt and waste products. Depending upon how much you smoke, your lungs become gray and "dirty" (they look like charcoal). Healthy lungs are pink.

Chronic bronchitis is a serious lung infection which is often caused by smoking. Emphysema is a long-term lung disease that may be caused by smoking cigarettes. Cigarette smoking also makes asthma worse. You are at a higher risk of getting colds, pneumonia, and other lung infections if you smoke.

Gastrointestinal disease: Cigarette smoking increases the amount of acid that is made by your stomach, and may cause a peptic ulcer. A peptic ulcer is an open sore in the stomach or duodenum (part of the intestine). You may also get gastroesophageal reflux from smoking. This is when you have a backflow of stomach acid into your esophagus (food tube).

Smoking will not immediately disqualify you from being approved for health insurance but it really doesn't help your over all cost. Smoking not only increases your health risks but will also increase your insurance premiums. Depending on who you want to get insurance from and what type of insurance it could cost between 10%-50% more.

Oh and if you think that you can lie and say you don't smoke when you do you'd be wrong. Most insurance companies request exams from a physician as well as blood and other tests, one of which checks for tobacco use.

This concludes the first part in this article series. This article is part of a series I am writing about Getting approved and denied for health insurance. Keep an eye out for part two which will cover medical history and how it can effect your approval success and monthly premiums.

If you are not eligable for free health care though the state or are self-employed and can't get a group discount through an employer then your only other option f

ancreas, cervix, bladder, and skin cancer.

Heart and blood vessel disease:

If you already have heart or blood vessel problems and smoke, you are at even greater risk of having continued or worse health problems. The nicotine in the tobacco causes an increase in your heart rate and blood pressure. The arteries (blood vessels) in your arms and legs tighten and narrow because of the nicotine in cigarette smoke. Cigarette smoke increases blood clotting, and may damage the lining of your heart's arteries and other blood vessels.

Carbon monoxide is a harmful gas that gets into the blood and decreases oxygen going to the heart and the body. Cigarette smoke contains this gas. Hardening of the arteries happens more often in smokers than in nonsmokers. This may make it more likely for you to have a stroke (blood clot in your brain). The more cigarettes you smoke, the greater your risk of a heart attack.

Lung disease:

The younger you are when you start smoking, the greater your risk of getting lung diseases. Many smokers have a cough which is caused by the chemicals in smoke. These chemicals harm the cilia (tiny hairs) that line the lungs and help remove dirt and waste products. Depending upon how much you smoke, your lungs become gray and "dirty" (they look like charcoal). Healthy lungs are pink.

Chronic bronchitis is a serious lung infection which is often caused by smoking. Emphysema is a long-term lung disease that may be caused by smoking cigarettes. Cigarette smoking also makes asthma worse. You are at a higher risk of getting colds, pneumonia, and other lung infections if you smoke.

Gastrointestinal disease: Cigarette smoking increases the amount of acid that is made by your stomach, and may cause a peptic ulcer. A peptic ulcer is an open sore in the stomach or duodenum (part of the intestine). You may also get gastroesophageal reflux from smoking. This is when you have a backflow of stomach acid into your esophagus (food tube).

Smoking will not immediately disqualify you from being approved for health insurance but it really doesn't help your over all cost. Smoking not only increases your health risks but will also increase your insurance premiums. Depending on who you want to get insurance from and what type of insurance it could cost between 10%-50% more.

Oh and if you think that you can lie and say you don't smoke when you do you'd be wrong. Most insurance companies request exams from a physician as well as blood and other tests, one of which checks for tobacco use.

This concludes the first part in this article series. This article is part of a series I am writing about Getting approved and denied for health insurance. Keep an eye out for part two which will cover medical history and how it can effect your approval success and monthly premiums.

If you are not eligable for free health care though the state or are self-employed and can't get a group discount through an employer then your only other option f

our risk of getting lung diseases. Many smokers have a cough which is caused by the chemicals in smoke. These chemicals harm the cilia (tiny hairs) that line the lungs and help remove dirt and waste products. Depending upon how much you smoke, your lungs become gray and "dirty" (they look like charcoal). Healthy lungs are pink.

Chronic bronchitis is a serious lung infection which is often caused by smoking. Emphysema is a long-term lung disease that may be caused by smoking cigarettes. Cigarette smoking also makes asthma worse. You are at a higher risk of getting colds, pneumonia, and other lung infections if you smoke.

Gastrointestinal disease: Cigarette smoking increases the amount of acid that is made by your stomach, and may cause a peptic ulcer. A peptic ulcer is an open sore in the stomach or duodenum (part of the intestine). You may also get gastroesophageal reflux from smoking. This is when you have a backflow of stomach acid into your esophagus (food tube).

Smoking will not immediately disqualify you from being approved for health insurance but it really doesn't help your over all cost. Smoking not only increases your health risks but will also increase your insurance premiums. Depending on who you want to get insurance from and what type of insurance it could cost between 10%-50% more.

Oh and if you think that you can lie and say you don't smoke when you do you'd be wrong. Most insurance companies request exams from a physician as well as blood and other tests, one of which checks for tobacco use.

This concludes the first part in this article series. This article is part of a series I am writing about Getting approved and denied for health insurance. Keep an eye out for part two which will cover medical history and how it can effect your approval success and monthly premiums.

If you are not eligable for free health care though the state or are self-employed and can't get a group discount through an employer then your only other option f

ill not immediately disqualify you from being approved for health insurance but it really doesn't help your over all cost. Smoking not only increases your health risks but will also increase your insurance premiums. Depending on who you want to get insurance from and what type of insurance it could cost between 10%-50% more.

Oh and if you think that you can lie and say you don't smoke when you do you'd be wrong. Most insurance companies request exams from a physician as well as blood and other tests, one of which checks for tobacco use.

This concludes the first part in this article series. This article is part of a series I am writing about Getting approved and denied for health insurance. Keep an eye out for part two which will cover medical history and how it can effect your approval success and monthly premiums.

If you are not eligable for free health care though the state or are self-employed and can't get a group discount through an employer then your only other option for full medical coverage for your family is an Individual Health Insurance policy. There are a number of places to get a free quote online here is my recommended source http://asa.name/Recommend/Health