Height/Weight Tables and Health Insurance

 
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Your Weight can make a Difference

In reviewing your application, health insurance companies compare your weight against standards for people of your same gender and height. Overweight people may be charged higher health insurance rates or they may be denied coverage.

Varying Height/Weight Guidelines

Different insurance company use different height/weight guidelines. So, if you are looking to purchase individual health insurance and you are concerned your weight may pose a problem, consult a health insurance professional. Identify insurers with underwriting guidelines that accommodate your build.

Sample Height/Weight Table

The following height/weight table is a composite derived from the guidelines of several leading health insurance companies. This table does not reflect the underwriting standards of any particular health insurer. It provides only a general picture of how insurance companies apply height/weight guidelines to the underwriting health insurance applications. If you are applying for a new personal health insurance policy and you are concerned your weight could be a problem, you need to discuss it with your agent.

 
Female Adult
Male Adult
Height
 
Charge Extra
Rate
Decline
Coverage
Charge Extra
Rate
Decline
Coverage
4'9"
147 - 190 lbs
over 190 lbs
 
 
4'10"
150 - 195 lbs
over 195 lbs
 
 
4'11"
153 - 199 lbs
over 199 lbs
 
 
5'0"
157 - 204 lbs
over 204 lbs
164 - 211 lbs
over 211 lbs
5'1"
159 - 210 lbs
over 210 lbs
170 - 218 lbs
over 218 lbs
5'2"
163 - 216 lbs
over 216 lbs
173 - 224 lbs
over 224 lbs
5'3"
167 - 219 lbs
over 219 lbs
178 - 232 lbs
over 232 lbs
5'4"
171 - 228 lbs
over 228 lbs
182 - 238 lbs
over 238 lbs
5'5"
175 - 235 lbs
over 235 lbs
187 - 246 lbs
over 246 lbs
5'6"
178 - 240 lbs
over 240 lbs
192 - 253 lbs
over 253 lbs
5'7"
184 - 245 lbs
over 245 lbs
197 - 258 lbs
over 258 lbs
5'8"
189 - 253 lbs
over 253 lbs
202 - 266 lbs
over 266 lbs
5'9"
195 - 261 lbs
over 261 lbs
208 - 273 lbs
over 273 lbs
5'10"
200 - 267 lbs
over 267 lbs
215 - 281 lbs
over 281 lbs
5'11"
207 - 276 lbs
over 276 lbs
221 - 288 lbs
over 288 lbs
6'0"
213 - 285 lbs
over 285 lbs
228 - 298 lbs
over 298 lbs
6'1"
220 - 292 lbs
over 292 lbs
233 - 305 lbs
over 305 lbs
6'2"
227 - 300 lbs
over 300 lbs
239 - 314 lbs
over 314 lbs
6'3"
234 - 307 lbs
over 307 lbs
249 - 323 lbs
over 323 lbs
6'4"
 
 
258 - 332 lbs
over 332 lbs
6'5"
 
 
267 - 340 lbs
over 340 lbs
6'6"
 
 
282 - 349 lbs
over 349 lbs

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