BMI Insurance: What It Is and How It Works

Shawn Plummer

CEO, The Annuity Expert

If you’re looking for health insurance, you may have come across the term BMI insurance. But what is it, and how does it work? In this guide, we will explain everything you need to know about BMI insurance. We’ll cover what it is, how it works, and who can benefit from it. By the end of this guide, you’ll understand exactly what BMI insurance is and whether or not it’s a good fit for your needs.

Confused About Health Insurance?

Need help with medical, dental, or vision insurance? Explore our Learning Lab for comprehensive health insurance insights. Your wellness is our priority.

What Is BMI Insurance?

So, what is BMI insurance? BMI insurance is a type of health insurance that covers people with a Body Mass Index (BMI) of 30 or higher. This type of insurance is also sometimes called “obesity insurance.” If you have a BMI of 30 or higher, you are considered obese. And if you’re obese, you may be at a higher risk for certain health conditions, such as heart disease, stroke, diabetes, and certain types of cancer.

Because of this, BMI insurance can help you get the coverage you need to manage your weight and your health. BMI insurance plans typically cover things like weight-loss surgery, doctor’s visits, and prescription medications. And depending on the plan, they may also cover things like diet and exercise programs.

Bmi Insurance


If you’re considering BMI insurance, it’s important to understand how it works. BMI insurance plans are offered by some employers and health insurance companies. And, in most cases, they work just like any other health insurance plan. You’ll pay premiums (monthly payments) to your insurance company, and they will cover a portion of your medical expenses.

It’s also important to know that BMI insurance is not the same as health insurance for people who are overweight. BMI insurance is specifically for people who are obese. And while some overweight people may be at risk for certain health conditions, not all overweight people are obese.

Bmi Health Insurance


If you’re interested in BMI insurance, the best way to find out if it’s right for you is to talk to your doctor or a health insurance agent. They can help you understand your risks and whether or not BMI insurance is a good option for you. And, if you decide that BMI insurance is right for you, they can help you find a plan that meets your needs and budget.

Request A Quote

Get help from a licensed financial professional. This service is free of charge.

Contact Us

Related Reading

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

Scroll to Top