50 diseases whose presence will increase the cost of health insurance in the USA

The cost of health insurance in the USA depends on pre existing conditions - diseases and conditions that a person has at the time of taking out insurance. Some of them don't raise your premiums much, but there are others that can add up to hundreds of dollars in additional costs.

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There is no specific, legally approved list of diseases that increase the cost of health insurance. Each insurance company chooses those illnesses that make insurance more expensive.

Among the main diseases and conditions are:

• AIDS / HIV
• alcohol or drug abuse with recent treatment
• Alzheimer's Disease / Dementia
• anorexia
• arthritis
• bulimia
• crayfish
• cerebral paralysis
• chronic heart failure
• coronary artery / heart disease, bypass
• Crohn's disease
• diabetes
• epilepsy
• hemophilia
• hepatitis
• kidney disease, renal failure
• lupus
• mental disorders (including anxiety, bipolar disorder, depression, obsessive-compulsive disorder, schizophrenia)
• multiple sclerosis
• muscular dystrophy
• obesity
• organ transplantation
• paraplegia
• paralysis
• Parkinson's disease
• pending surgery or hospitalization
• Pneumonia pneumonia
• pregnancy
• apnea (temporary respiratory arrest during sleep)
• stroke
• transsexualism

But this is a conservative list; many insurers include less obvious health problems. Here are some examples of diseases for which insurance premiums may be raised:

• acid reflux
• acne
• choking
• cesarean section
• gluten intolerance
• heartburn
• high cholesterol
• hysterectomy
• stones in the kidneys
• knee surgery
• Lyme disease
• migraine
• narcolepsy
• implantable heart stimulator
• postpartum depression
• seasonal affective disorder
• epileptic seizure; convulsion
• "sexual deviation or disorder"
• ulcers

In a recent report, the Center for American Progress notes that high blood pressure, behavioral disorders, high cholesterol, asthma, chronic lung disease, osteoarthritis and other joint diseases are the most common types pre-existing conditions the Americans.

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