Welcome!

Cognitive Computing Authors: Yeshim Deniz, Zakia Bouachraoui, Elizabeth White, Pat Romanski, Liz McMillan

News Feed Item

Smokers Pay 14% Higher Health Insurance Premiums Than Non-Smokers, eHealth Data Shows

Report Also Shows That Obese Adults Pay 22% More in Premiums Than Adults With a BMI in the Normal Range

MOUNTAIN VIEW, CA -- (Marketwire) -- 01/03/13 -- Today eHealth, Inc (NASDAQ: EHTH) (eHealthInsurance.com), America's first and largest private online health insurance exchange, released an addendum to its November 2012 'Cost and Benefits' report describing the impact of smoking and body mass index (BMI) on average monthly premiums paid for individual health insurance.

According to the Smoking Status and BMI report:

  • Smokers pay an average monthly premium of $213, 14% higher than the average monthly premium paid by non-smokers ($187)
  • The average monthly premium paid by women smokers ($247) is 22% higher than the average premium paid by non-smoking women ($203)
  • Policyholders in the 'Obese' BMI category pay an average monthly premium 22% higher than those in the 'Normal' BMI category ($169 compared to $207)
  • The average monthly premium paid by men in the 'Obese' category ($190) is 29% higher than the average premium paid by men in the 'Normal' category ($147)
  • The average monthly premium paid by men in the 'Underweight' BMI category ($160) is 9% higher than those for men in the 'Normal' category ($147)

"This is valuable data for consumers and advocacy groups working on important health issues related to smoking and overall fitness," said eHealth Chief Executive Office, Gary Lauer. "For the second year in a row now, we've been able to put a dollar figure on what smoking and an unhealthy BMI may cost Americans in terms of higher health insurance premiums in the individual market."

In eHealth's addendum report, comparisons of average premium costs relative to an applicant's BMI are derived from a sample of more than 224,000 individual major medical policies purchased through eHealthInsurance with coverage in effect as of February 2012. Results are based only on adults aged 20 or older who provided their height and weight on the health insurance application. BMI was calculated based on this height and weight data according to a formula published by the Centers for Disease Control (CDC): weight (lb) / [height (in)] squared x 703. The BMI categories (Underweight, Normal, Overweight, Obese) used in this report also follow CDC guidelines.

Comparisons of average premium costs for smokers and non-smokers in the report were derived from a sample of more than 275,000 individual major medical policies purchased through eHealthInsurance with coverage in effect in February 2012. The status of "smoker" or "non-smoker" is determined during the application process. When collecting personalized quotes and filling out the online application form during the shopping process, eHealthInsurance customers are asked to indicate if they have smoked tobacco within the past twelve months.

Underwriting decisions that may influence an individual applicant's approval or final monthly health insurance premium are not made by eHealth or eHealthInsurance but by the insurance company selected by the consumer when shopping through eHealthInsurance.com. Decisions may be based in part on smoking status or BMI. However, other factors (such as an individual's medical history or the presence of a pre-existing condition) may also play a role. In many states it is possible to be declined coverage for individual health insurance coverage due to a high BMI.

The full addendum report, titled 'Smoking Status and Body Mass Index Relative to Average Individual Health Insurance Premiums,' is available online through the eHealthInsurance Media Center. The larger 'Costs and Benefits of Individual and Family Health Insurance Plans' report, released in November 2012, is also available.

Additional Consumer Resources:

About eHealth

eHealth, Inc. (NASDAQ: EHTH) is the parent company of eHealthInsurance, America's first and largest private health insurance exchange where individuals, families and small businesses can compare health insurance products from leading insurers side by side and purchase and enroll in coverage online. eHealthInsurance offers thousands of individual, family and small business health plans underwritten by more than 180 of the nation's leading health insurance companies. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia. Through the company's eHealthTechnology solution (www.eHealthTechnology.com), eHealth is also a leading provider of health insurance exchange technology. eHealthTechnology's exchange platform provides a suite of hosted e-commerce solutions that enable health plan providers, resellers and government entities to market and distribute products online. eHealth, Inc. also provides powerful online and pharmacy-based tools to help seniors navigate Medicare health insurance options, choose the right plan and enroll in select plans online through its wholly-owned subsidiary, PlanPrescriber.com (www.planprescriber.com) and through its Medicare website www.eHealthMedicare.com.

For more health insurance news and information, visit the eHealthInsurance consumer blog: Get Smart - Get Covered.

Add to Digg Bookmark with del.icio.us Add to Newsvine

For media inquiries, please contact:

Sande Drew
eHealth, Inc.
(916) 207-7674
[email protected]

Kris Kraves
Cogenta Communications
(805) 527-7733 - direct
[email protected]

More Stories By Marketwired .

Copyright © 2009 Marketwired. All rights reserved. All the news releases provided by Marketwired are copyrighted. Any forms of copying other than an individual user's personal reference without express written permission is prohibited. Further distribution of these materials is strictly forbidden, including but not limited to, posting, emailing, faxing, archiving in a public database, redistributing via a computer network or in a printed form.

IoT & Smart Cities Stories
All in Mobile is a place where we continually maximize their impact by fostering understanding, empathy, insights, creativity and joy. They believe that a truly useful and desirable mobile app doesn't need the brightest idea or the most advanced technology. A great product begins with understanding people. It's easy to think that customers will love your app, but can you justify it? They make sure your final app is something that users truly want and need. The only way to do this is by ...
Digital Transformation and Disruption, Amazon Style - What You Can Learn. Chris Kocher is a co-founder of Grey Heron, a management and strategic marketing consulting firm. He has 25+ years in both strategic and hands-on operating experience helping executives and investors build revenues and shareholder value. He has consulted with over 130 companies on innovating with new business models, product strategies and monetization. Chris has held management positions at HP and Symantec in addition to ...
Dynatrace is an application performance management software company with products for the information technology departments and digital business owners of medium and large businesses. Building the Future of Monitoring with Artificial Intelligence. Today we can collect lots and lots of performance data. We build beautiful dashboards and even have fancy query languages to access and transform the data. Still performance data is a secret language only a couple of people understand. The more busine...
The challenges of aggregating data from consumer-oriented devices, such as wearable technologies and smart thermostats, are fairly well-understood. However, there are a new set of challenges for IoT devices that generate megabytes or gigabytes of data per second. Certainly, the infrastructure will have to change, as those volumes of data will likely overwhelm the available bandwidth for aggregating the data into a central repository. Ochandarena discusses a whole new way to think about your next...
CloudEXPO | DevOpsSUMMIT | DXWorldEXPO are the world's most influential, independent events where Cloud Computing was coined and where technology buyers and vendors meet to experience and discuss the big picture of Digital Transformation and all of the strategies, tactics, and tools they need to realize their goals. Sponsors of DXWorldEXPO | CloudEXPO benefit from unmatched branding, profile building and lead generation opportunities.
DXWorldEXPO LLC announced today that Big Data Federation to Exhibit at the 22nd International CloudEXPO, colocated with DevOpsSUMMIT and DXWorldEXPO, November 12-13, 2018 in New York City. Big Data Federation, Inc. develops and applies artificial intelligence to predict financial and economic events that matter. The company uncovers patterns and precise drivers of performance and outcomes with the aid of machine-learning algorithms, big data, and fundamental analysis. Their products are deployed...
Cell networks have the advantage of long-range communications, reaching an estimated 90% of the world. But cell networks such as 2G, 3G and LTE consume lots of power and were designed for connecting people. They are not optimized for low- or battery-powered devices or for IoT applications with infrequently transmitted data. Cell IoT modules that support narrow-band IoT and 4G cell networks will enable cell connectivity, device management, and app enablement for low-power wide-area network IoT. B...
The hierarchical architecture that distributes "compute" within the network specially at the edge can enable new services by harnessing emerging technologies. But Edge-Compute comes at increased cost that needs to be managed and potentially augmented by creative architecture solutions as there will always a catching-up with the capacity demands. Processing power in smartphones has enhanced YoY and there is increasingly spare compute capacity that can be potentially pooled. Uber has successfully ...
SYS-CON Events announced today that CrowdReviews.com has been named “Media Sponsor” of SYS-CON's 22nd International Cloud Expo, which will take place on June 5–7, 2018, at the Javits Center in New York City, NY. CrowdReviews.com is a transparent online platform for determining which products and services are the best based on the opinion of the crowd. The crowd consists of Internet users that have experienced products and services first-hand and have an interest in letting other potential buye...
When talking IoT we often focus on the devices, the sensors, the hardware itself. The new smart appliances, the new smart or self-driving cars (which are amalgamations of many ‘things'). When we are looking at the world of IoT, we should take a step back, look at the big picture. What value are these devices providing. IoT is not about the devices, its about the data consumed and generated. The devices are tools, mechanisms, conduits. This paper discusses the considerations when dealing with the...