Generally, credit rating or credit status should not affect health insurance rates. At present, there is no known company that needs a credit check to determine the health insurance rate for a prospective policyholder. If you will notice, health insurance application forms do not contain questions on credit status. Health insurance rates are normally based on age and gender plus the person’s health condition. So it eplains why one’s credit rating won’t affect health losses. Since it is a health insurance, medical history is a more important consideration in giving health insurance rates. It is more of how physically fit or not are you. Some agents would say that there really is no financial gain on health insurance. It is non-transferrable. Nobody will be able to use the health insurance even if it is not used up when the policyholder died. However, in other forms of insurance such as auto or house, a credit rating check is required because the insurance company has to gauge your ability to pay (unlike in health insurance, where credit status should not affect health insurance rate). - June 19, 2009 @ 5:41 pm