Quote Originally Posted by shootingstar View Post
So in the U.S., it has always been or recent trend on using certain health measurements by private health insurers for discounts/premium payments?
IME it comes into play more for life insurance rates. But DH and I have not yet reached a time where this would have been an issue for us in applying for health insurance, so maybe others have had different experiences.

We've bought individual insurance a couple of times while in between jobs and they will quote us premium/deductible packages based on primary and no. of dependants before we have even sent our health questionnaires in.

The larger issue is whether you have a pre-existing condition that could get you denied coverage entirely (but after that there may be state programs that you can qualify for). DH really goofed on this once: he indicated that I had a spinal cord injury when all I had was a fracture to two vertebrae. So I got denied coverage. I had to spend a whole day on the phone clearing that one up!