Will my occupation influence my health insurance eligibility?

Dr. Michael Roizen, MD
Internal Medicine
Word on the street is that Jackie Chan can’t get insurance since he does all the stunts himself in his movies. So, yes, your occupation may influence your healthcare eligibility (and the costs!). This is especially true if you purchase individual insurance, or if you work for a small company that provides health insurance. These health insurance policies may be “experience-rated,” meaning the premiums are based on the average cost of ensuring that group, so don’t be surprised if your costs are as high as a skyscraper (if you are even determined to be eligible for coverage) if you work in a dangerous profession.

An insurance provider considers many factors when determining an applicant"s eligibility for health insurance. One of the factors may include your occupation because some jobs carry an inherent risk of injury or illness, like firefighters or coal miners. Although coverage cannot be denied based on occupation, your job could affect the premiums you pay and the coverage you are allowed.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.