Does Weight Affect Health Insurance Premiums? 
Health insurance companies currently evaluate your height and weight and calculate your BMI -LRB- body metric index -RRB- to get an idea of your overall health . I have had clients that have had to pay a surcharge -LRB- additional premium -RRB- due to being overweight and several declined due to morbid obesity . I even had a client declined for being underweight . Excessive weight can lead to numerous physical and medical conditions . Some chronic , some life threatening . There is no such thing as a healthy fat person . 