Question : 22 yr old athletic male looking for health insurance, can gym membership lower premiums?
Hello everyone, little background about me.

I am 22 years old, male, and am in great physical shape. Unfortunately, I am unemployed (laid off, got no coverage cause it’s part time) and a problem with my financial aid in the state of Nevada prevent me from finishing school until fall of this year.

I am trying to find affordable health insurance that primarily covers emergencies and accidents. I am in great physical health, and I never really have to see a doctor more than once or twice a year. I don’t smoke, rarely drink, and besides having Runner’s Knee (mild discomfort), there is nothing wrong with me. However, I do want to get into sports again, including Brazillian Jiu Jitsu and maybe boxing, and I want to be covered in the event of sports injury, cause well, accidents happen.

Next question. I have been going to the same gym since 2000, and I go at least five days a week. Is it possible to negotiate premiums down based on my membership and commitment to going? Money is very tight right now, and I keep in good shape, so I want to get covered while not paying exhorbitant amounts for private insurance until I am back in school. Does anyone have any suggestions in the State of Nevada?

I already checked TONIK with Blue Cross but it’s awfully expensive.

Thanks guys!
Kill: Ed Hardy is douchey, quit spamming your crap on my question.
Alright, quit spamming crap everyone, take it elsewhere.
MbrCatz, thanks for responding (and not being spam :) ). Now judging by your profile you’re extremely knowledgeable about the industry, so why don’t they give incentives to people who are physically active? I know in some car insurance companies your premiums go up if you have an accident and are at fault, and at the same time some go down if you’re a safe driver. Wouldn’t someone like me be “less of a risk”?
tonik health insurance

Best answer:

Answer by mbrcatz
Nope. Premiums are not negotiable, and they don’t really care if you have a gym membership or not, sorry.