Can Health Insurance Companies Drug Test You? 
When applying for health insurance underwriters can request labs or blood testing based on a persons medical background and history in order to calculate the risk in insuring that person . The insurance company reserves the right to accept or declinea person if illegal drugs show up in the labs . That said ; there will be no underwriting under the `` Obamacare '' state sponsored insurance exchanges beginning October 1 , 2013 and be prepared to pay higher premiums . Anytime you are in the hospital or your doctor requests labs all of your medical information is reported to the medical information bureau . Insurance companies can get access to that information when you apply for health insurance . 