What Does Health Insurance Rated Mean? 
A rated health insurance plan is one that includes a premium surcharge or load . The standard or preferred rate is insufficient to support the risk presented by the individual applying for health insurance . In some cases the surcharge is temporary while some conditions may result in a permanent load . Examples of a temporary load include tobacco use or excessive weight . Once the individual has stopped using tobacco products for a designated time period , or weight loss has been achieved and maintained , the premium loads may be removed . 