A medical marijuana card is not a determining factor for insurers when determining health insurance rates. However, using medicinal cannabis can affect your life insurance rates and result in higher premiums. For instance, if you take medical marijuana to treat a terminal condition, it may be challenging or impossible to find coverage. Moreover, if you smoke cannabis, insurers are likely to classify you as a smoker–resulting in an expensive policy. You can avoid this by opting for edibles and other forms of marijuana instead of smoking.