1. Preferred Plus (Super Preferred)
Health Status: Excellent overall health with no significant medical issues.
Lifestyle: Healthy BMI, no tobacco use, clean medical tests, low-risk occupation/hobbies.
Impact: Lowest premiums—the best pricing available.
2. Preferred
Health Status: Very good health, but may have minor, well-controlled conditions (e.g., mild cholesterol or blood pressure issues).
Lifestyle: Still low-risk, though may narrowly miss Preferred Plus criteria.
Impact: Low premiums, though slightly higher than Preferred Plus.
3. Standard
Health Status: Average health for age; may have common conditions that are stable or moderately controlled.
Lifestyle: Occasional risk factors but not extreme.
Impact: Average premiums—baseline pricing.
