Basically, what the insurance company chooses as the policy and the rate a customer pays is based on the customer’s health. If there are certain pre-existing conditions, often the customer is stuck between a rock and a hard place, paying up to 50% more than the preferred rate. Insurance companies may also refuse/decline to insure someone they think is a poor risk. So it’s a good idea to stay as healthy as you can.
There are other options available for those who have been declined health insurance. The first one is to shop around to other larger insurance companies, because each company underwrites in a different way. You may also be eligible for your state’s Risk Pool.