Best Health Insurance for Overweight Applicants in 2025 (Your Guide to the Top 10 Companies)

The best health insurance for overweight applicants comes from top providers USAA, State Farm, and Allstate, renowned for their exceptional coverage and customer service.

Before 2010, Americans with pre-existing conditions often struggled to secure affordable health insurance. Insurance companies could charge higher rates based on medical conditions or deny coverage altogether.

Our Top 10 Company Picks: Best Health Insurance for Overweight Applicants

The Affordable Care Act prevents insurance providers from discriminating against individuals based on health conditions, including diabetes, asthma, cancer, and obesity.

Health insurance providers must offer the same rates to individuals with obesity as they would to anyone else, without denying coverage due to pre-existing conditions.

Looking for affordable health insurance? Enter your ZIP code above to compare three to four policies.

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#1 – USAA: Top Overall Pick

Pros

• Military-Specific Benefits: USAA offers unique benefits tailored to the needs of military members and their families.
• High Loyalty Discounts: Strong discounts are available for long-term members. Learn more in our USAA auto insurance review.
• Exceptional Customer Service: Known for superior customer service and support specifically catered to military lifestyles.

Cons

• Limited Availability: Services are exclusive to military members, veterans, and their families.
• Less Competitive for Non-Military: Non-military individuals cannot access these services, limiting broader public benefit.

#2 – State Farm: Best for Trustworthy Coverage

Pros

• Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
• High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage.
• Wide Coverage: Offers various coverage options tailored to different business needs. See more details on our State Farm health insurance company review.

Cons

• Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
• Premium Costs: Despite discounts, premiums might still be relatively higher for certain coverage levels.

#3 – Allstate: Best for Comprehensive Policies

Pros

• Variety of Policy Options: Allstate provides a wide range of insurance products covering numerous aspects.
• Generous Multi-Vehicle Discount: Offers one of the highest multi-vehicle discounts at 25%. More information is available about this provider in our Allstate insurance company review.
• Innovative Tools and Resources: Access to digital tools for policy management and claims.

Cons

• Higher Premiums: Generally, premiums are higher compared to some other competitors.
• Complexity in Policy Details: Some customers may find the policy options complex and difficult to customize.

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#4 – Nationwide: Best for Nationwide Coverage

Pros

• Extensive Network: Nationwide has a broad network that ensures coverage is available in many areas.
• Flexible Policy Options: Offers flexibility in policies to suit different customer needs across the country.
• Dedicated Support: Provides dedicated support and resources for claims and policy management. Read up on the “Nationwide General Insurance Company: Customer Ratings & Reviews” for more information.

Cons

• Inconsistent Customer Service: Customer service quality can vary significantly depending on the region.
• Rate Fluctuations: Some customers report occasional unexpected rate increases.

#5 – Travelers: Best for Flexible Options

Pros

• Customizable Plans: Travelers offers highly customizable plans to suit diverse customer needs.
• Low Premiums for Low-Risk Customers: Particularly competitive rates for customers with low-risk profiles.
• Strong Financial Stability: High ratings for financial stability, ensuring reliability and trust. Check out insurance savings in our complete Travelers auto insurance review.

Cons

• Limited High-Risk Coverage: Less competitive rates and terms for high-risk customers.
• Complex Claims Process: Some users find the claims process to be overly complicated.

#6 – Progressive: Best for Competitive Rates

Pros

• Competitive Pricing: Known for offering some of the most competitive rates in the industry. Discover more about offerings in our Progressive auto insurance review.
• Discounts and Incentives: Numerous discounts are available for various customer segments.
• Strong Online Presence: Progressive excels with a strong online platform for managing policies.

Cons

• Variable Customer Service: Customer service experience can vary widely among users.
• Coverage Limitations: Some coverage options are not as extensive as those offered by competitors.

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#7 – Farmers: Best for Personalized Service

Pros

• Personalized Customer Service: Farmers is known for providing personalized service and dedicated agents.
• Extensive Agent Network: A large network of agents ensures personalized attention and service.
• Customizable Coverage: Offers customizable coverage options to meet individual needs. Access comprehensive insights into our Farmers auto insurance review.

Cons

• Higher Cost: Generally higher costs are associated with the level of personalized service.
• Limited Availability: Not available in all regions, which might limit options for some customers.

#8 – Liberty Mutual: Best for Customized Solutions

Pros

• Highly Customizable Policies: Liberty Mutual offers highly customizable solutions to fit individual needs.
• Extensive Coverage Options: A wide array of coverage options is available for a variety of risks and needs. Delve into our evaluation of Liberty Mutual homeowners insurance review.
• Strong Discount Offerings: Competitive discounts, particularly for safe drivers and multi-policy bundling.

Cons

• Premium Variability: Premiums can vary widely, which may affect affordability.
• Customer Service Inconsistency: Some customers report inconsistent experiences with customer service.

#9 – Esurance: Best for Online Convenience

Pros

• Streamlined Online Services: Esurance provides a highly efficient online service platform for quick policy management.
• Competitive Pricing: Offers competitive pricing, particularly for tech-savvy users who manage their policies online.
• Rapid Claims Processing: Known for fast and efficient claims processing. Unlock details in our Esurance auto insurance review.

Cons

• Limited Personal Interaction: Less opportunity for personal interaction, which may affect customer service quality.
• Coverage Options: More limited in terms of policy options compared to larger, traditional insurers.

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#10 – Erie: Best for Community-Focused

Pros

• Community-Centric Approach: Erie’s strong focus on community and local service ensures personalized attention.
• Consistent Pricing: Known for consistent pricing without frequent changes. Discover insights in our Erie auto insurance review.
• High Customer Satisfaction: High levels of customer satisfaction were reported in community-oriented service.

Cons

• Limited Geographic Coverage: Services are limited to certain states, reducing accessibility for some.
• Fewer Online Resources: Fewer online resources and tools compared to larger national insurers.

Comparative Monthly Rates for Overweight Applicants: Minimum vs. Full Coverage

The following table provides a detailed look at the monthly health insurance rates for overweight applicants, comparing both minimum and full coverage options across various providers. This comprehensive overview helps illustrate the cost differences and what applicants can expect when choosing a provider based on coverage needs.

Health Insurance Monthly Rates for Overweight Applicants by Coverage Level & Provider

Allstate offers minimum coverage at $170 and full coverage at $320. Erie and USAA provide the most affordable rates with minimum coverage starting at $150 and full coverage at $300.

Esurance and State Farm both offer minimum coverage at $160, with their full coverage rates at $310. Farmers and Liberty Mutual are at the higher end, each with minimum coverage at $170 and $175 respectively, and full coverage at $320 and $325.

Nationwide and Travelers provide competitive options as well, with minimum coverage at $155 and full coverage at around $305 and $300, respectively. Progressive’s rates fall in the middle, with minimum coverage at $165 and full coverage at $315. Delve into our evaluation of “Cheap Health Insurance.”

How Does Weight Affect Your Health Insurance

Unlike life insurance, health insurance doesn’t hold a pre-existing condition against you. The factors determining your health insurance might seem complicated, but they’re usually pretty straightforward. After the Affordable Care Act (ACA), health insurance providers cannot deny you coverage based on a pre-existing condition.

Instead, companies base their rates on the following factors:

• Type of Insurance: A huge factor in the price you’ll pay is if you obtain coverage through your employer or individually through the Health Insurance Marketplace.
• Employer Size: Insurance rates are typically lower at large companies compared to smaller businesses.
• State Laws: Insurance laws vary by state. Some states limit how much companies charge for coverage, while others do not (For more information, read our “Top Health Insurance Plans by State“).
• Income Level: Low-wage employees may qualify for federal or state assistance.
• Community. People that live in urban areas tend to pay less than those in rural ones.
• Plan Type: Preferred provider organizations (PPOs) and platinum plans are usually the most expensive options.
• Age: Your rates increase as you get older, with the most significant increase at 55.
• Tobacco Use: Smoking causes several serious health concerns. If you’re a tobacco user, you’ll pay up to 50% more for insurance.

It might surprise you to learn that the current condition of your health doesn’t affect your rates, especially if you have serious diseases like diabetes. Although obesity is a pre-existing condition, health insurance companies can’t hold it against you.

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Why Do Health Insurance Companies Care About Your Weight

Although health insurance companies can’t use it against you, being overweight or obese can cause serious complications. These potential complications include:

• Heart Disease
• Diabetes
• Stroke
• High Cholesterol or Blood Pressure
• Sleep Apnea
• Osteoarthritis
• Kidney Disease
• Fatty Liver disease

The risk of developing these conditions is why companies used to charge overweight applicants more for health insurance.

Learn more: Top Supplemental Health Insurance Plans for Individuals

What’s Considered Overweight

Although there are a lot of factors that go into determining how healthy a person is, one of the more simplistic methods is checking their body mass index (BMI).

BMI is calculated by how much you weigh compared to your height. You can find your BMI by checking a graph or using the Centers for Disease Control and Prevention’s adult calculator.

Once you know your BMI number, you can check what range it falls into:

• A BMI less than 18.5 is considered underweight.
• A BMI between 18.5 and 24.9 is considered a healthy weight.
• A BMI of 25.0 to 29.9 is considered overweight.
• A BMI of 30 or higher falls in the obese range.

While BMI isn’t the only thing that determines what counts as a healthy weight, it is a helpful tool. However, it can be off by people with a lot of muscle mass or who are pregnant, so it’s not foolproof. It’s also less effective for children and seniors.

Learn more: Will health insurance pay for liposuction?

One last thing to keep in mind about your BMI is that it doesn’t indicate how healthy you are. You can have a high BMI and still have a perfectly healthy cardiovascular system and no other issues.

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How Much Does Health Insurance Cost

As you saw above, there are a lot of factors that go into the price of your insurance. One of the biggest factors is if you get your insurance through work or the private market.

People that have insurance through their employer pay an average of $104 for individual coverage and $501 for families per month. Of course, there’s a lot of variation in prices, and some employees can pay higher costs than the national average.

Unfortunately, you’ll pay much more for health insurance if you need to buy it on your own. Rates can vary wildly, but you can get an idea of how much you’ll pay for individual coverage by looking at the average monthly price in your state.

Private Health Insurance Monthly Rates by State

The average health insurance rate for obese adults doesn’t change no matter how much you weigh — your weight and health don’t play a role in your rates.

While some states are more affordable, private healthcare is a hefty bill no matter what. The prices listed above are for individual coverage. If you have a family, you can easily have a monthly bill over $1,000. 

Many Americans struggle to pay for health insurance and are forced to go without it. When you need to get your insurance through the market, several government programs can help make it more affordable. Learn more in our “Cheap Private Health Insurance.”

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How to Find Affordable Health Insurance

With the price of everything rising, finding insurance that will fit your budget can seem impossible. However, there are ways to lower your rates and secure vital health coverage. If you’re struggling to get insurance, try these tips:

• Apply for cost assistance. If your income is between 100 and 400% of the federal poverty line, you may be eligible for subsidies. Subsidies go directly to the company, leaving you to pay the difference.
• Apply for short-term insurance. Short-term insurance covers emergencies, surgeries, and hospital visits. Although short-term usually ends after a year, it’s better than nothing.
• Consider Medicaid. If your income level is very low, you might qualify for Medicaid. People with children can also apply for the Children’s Health Insurance Program (CHIP) to ensure their kids have coverage.
• Try a high-deductible plan. Higher deductibles come with lower rates. While this can save you money on your monthly bill, you’ll have to pay more before insurance kicks in.

If it’s simply impossible to get insurance, you can go to a clinic or use telemedicine for your healthcare needs. Although treatments are limited, you can typically find low-cost or even free services at a clinic. Discover insights in our “Long-Term Care Insurance Providers.”

You should also make as much effort as you can to stay healthy, including keeping your weight at a healthy level. Being obese or overweight is a leading cause of illnesses that strip years of your life. 

A healthy diet and regular exercise can help keep you out of the doctor’s office. If you can afford it, regularly checking in with a doctor can help prevent a minor problem from turning into a major complication later.

Case Studies: Top Health Insurance Provider for Overweight Applicants

Selecting the right health insurance is crucial, especially for those managing weight-related health issues. These case studies showcase how top providers like USAA, State Farm, and Allstate tailor their services to meet the unique needs of overweight applicants.

• Case Study #1 – John and USAA: John, a retired military officer, needed health insurance that acknowledged his service and understood his current health needs related to being overweight. He chose USAA, which offers comprehensive benefits specifically tailored for veterans. With USAA, John was able to access specialized programs for weight management and received personalized health monitoring.
• Case Study #2 – Lisa and State Farm: Lisa, a small business owner, looked for a reliable and trustworthy insurance provider that could offer her extensive coverage options. Opting for State Farm, she benefited from their wide coverage and low-mileage discounts, which were perfect as she worked from home. State Farm’s health insurance plan provided her with the necessary medical support and wellness programs.
• Case Study #3 – Ahmed and Allstate: Ahmed needed an insurance policy that covered all aspects of his health, given his concerns about weight-related illnesses. Choosing Allstate for its comprehensive policies, he took advantage of the 25% multi-vehicle discount by bundling his health and car insurance. Allstate also offered him access to a range of preventive care services and nutritional counseling.

These narratives illustrate that with the right health insurance provider, individuals dealing with weight-related health issues can receive the necessary support and resources to manage their conditions effectively.

USAA, State Farm, and Allstate each offer specialized programs and coverage that significantly enhance the health and well-being of their clients.

Read more: Top Long-Term Care Insurance Coverage: What You Need to Know

Find the Best Health Insurance Rates for You

Although insurance companies are not allowed to charge you more or refuse you coverage, health insurance rates can still be confusing. From employer-sponsored coverage to a plan from the marketplace, finding the best coverage can be tricky. Discover insights in our “Types of Health Insurance Coverage.”

If you don’t have access to employer-sponsored coverage, you can find health insurance for overweight applicants by comparing quotes with as many companies as possible. You won’t see price hikes for being overweight, but shopping around can still help you save.

Looking to save on health insurance? Start comparison shopping today by entering your ZIP code below.

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