Quick Disclaimer, I work tangentially in the health insurance industry. That being said, I know what variables factor in to a rate:
1. Deductible
2. Age
3. Whether or not you use tobacco - This includes chew.
4. Your gender makes a difference.
5. Occasionally, your BMI makes a difference. But most often, it's age + tobacco use that makes the largest difference.
Insurance rates will also change by your location. Say you had a twin who lived 1 city over; you may get different rates depending on your location.
Occasionally, a rate quote will be different due to the time of year that you're asking for your effective date. That seems to differ between carriers, and not a lot of carriers do this type of discounting or loading.
1. Deductible
2. Age
3. Whether or not you use tobacco - This includes chew.
4. Your gender makes a difference.
5. Occasionally, your BMI makes a difference. But most often, it's age + tobacco use that makes the largest difference.
Insurance rates will also change by your location. Say you had a twin who lived 1 city over; you may get different rates depending on your location.
Occasionally, a rate quote will be different due to the time of year that you're asking for your effective date. That seems to differ between carriers, and not a lot of carriers do this type of discounting or loading.
Hope that helps.