When health insurance companies offer quotes, they typically take into account 2 key factors that impact the premiums. The first one relates to the age of the individual himself. The younger the individual, the higher is the possibility of the health premium being at the lower end. The second factor is based on personal health of the individual and the family health history. These two are closely related. When deciding the health premium, if it is established that either or both individual personal health or family health history is not up to the mark, then the rates may be comparatively higher when compared to those individuals who score well on their health and family health history.
In some cases, health insurance companies may even refuse to offer insurance. As such, it is always a good idea for individuals to keep these factors in mind when trying to get low health insurance quotes. The often heard statement is that once you take care of your health, the premiums would become affordable automatically. Of course, there are also other factors that health insurance companies consider when determining premiums but age of individual, personal health and family health history are the major contributors that decide the premiums per se. Some of the well-known companies offering health insurance are AON Corporation Group, Aetna, Assurant Health Services, AMS and Unicare. Unicare has had the distinction of being named by Fortune Magazine six years in a row as the most admired health care organization owing to its high quality of service.
