The weight charts for the various insurance companies certainly are not standardized. Here are weight limits of several companies for a male 5’10”: 158-215 lbs; 115-199 lbs; 119-191 lbs; maximum 232 lbs. Since all companies use different weight charts, it is good to deal with a broker who represents many companies. He may have a plan that has generous weight charts , which will accept you for coverage.
If you think you may have borderline weight, ask the broker. It may be that by losing a few pounds you can get coverage. But remember, if medical records are asked for, the insurance company will look closely at your listed weight on your most recent medical exam.
Insurance companies never budge from the numbers on a weight chart. If a person is even one pound over the listed permitted weight, he will be declined for coverage.
However, you always have the option of short-term insurance plans. These plans can be renewed for three years. Then you can re-apply for another short-term plan. While on these short-term plans you may lose sufficient weight, and then you can apply for one of the long-term plans that provide much better health insurance coverage.
We work on keeping all information on this site relevant, and free from error.
The information and advice on this website was deemed accurate when it was originally published. GNI cannot accept any responsibility or liability for any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. For the latest up-to-date information please call us or check brochures and other published materials for latest revision/date.