Many people find themselves in the stressful situation of finding their own health insurance. Health insurance prices continue to rise and it can be difficult to obtain basic health care. The process in which health insurance companies use to determine eligibility for insurance is known as underwriting. Underwriting also determines how much you will pay for insurance.

It is important to know how the underwriting process works. Many insurance companies will ask questions related to your health, occupation, and financial situation. It is important to provide accurate and timely information about these underwriting questions. It is important to note that not all insurance companies ask the same underwriting questions. Your anxiety of getting insurance may decrease, if you have a basic understanding of what will be asked of you.

Before you begin to meet with a health insurance agent or broker, you will want to have a list of your current prescriptions an any prescriptions that you may have taken in the past 2 years. When you are searching different companies for health insurance, you should know each company’s list of health conditions that would make you ineligible for coverage. You should be able to find this list on the insurance company’s web site. Some health conditions may be “rated up,” which means that you will be eligible for coverage; however, you will have to pay a higher premium.

It is also important to know your most current height, weight, cholesterol and blood pressure. Higher cholesterol, blood pressure and weight does not always mean that you will be declined health insurance; however, you may be “rated up” and pay a higher premium. The above mentioned factors will be evaluated when you complete your medical or paramedical exam. These exams are often a condition to be evaluated for health insurance coverage.

The insurance company will not only review the results from your paramedical exam, but they will also review your past medical records from your physician(s). It may help to make a timeline of medical events and treating physicians to help you track your treatment and provide any anecdotal information to the insurance company underwriters.

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