Insurers also take into consideration individual medical histories, including pre-existing conditions, as well as lifestyle choices like smoking. In addition, the operational costs of delivering and managing an insurance policy are taken into account. The amount of time spent in the hospital and medical clinics can help insurers estimate future health expenses, influencing the overal... https://www.insuracarelife.com/blog/how-to-choose-a-health-insurance-plan-in-california/