‘I Almost Didn’t Qualify for Health Insurance, So I Ran Off 96 Pounds’ (2024)

Name: Erika Winning
Age: 27
Occupation: Safety Consultant
Hometown: Milwaukee

Start Weight: 250 pounds
End Weight: 154 pounds
Time Running: One year

In October 2018, I transitioned to a new job and had to buy short-term health insurance. To my horror, I almost didn’t qualify because of my weight—250 pounds at the time. I was overwhelmed with shame, embarrassment, and resignation, and I figured it meant I would be overweight forever.

I don’t want to knock body-positivity movements, because I think it’s important to love the skin you’re in. I tried accepting myself at 250 pounds, but ultimately, I just felt defeated and stuck.

When I was home in Minnesota with family for the holidays, I remember how big I felt, and I decided I wanted 2019 to be a different. It was the year to make a change.

After leaving, I unfortunately contracted a bad case of the flu. In those 10 days, I ended up losing maybe 20 pounds. It wasn’t the way I planned to start my weight loss, but I used it as a springboard for my journey.

I started by doing bodyweight exercises with a “90 Days to Change” program on Darebee, a non-profit fitness resource. The program pushed a 20- to 30-minute workout daily for 90 days, and it allowed me to log my workouts. I figured I spent at least that time every day looking at my phone, so that time could be used to work out.

Calorie counting also came into play around that time. I knew that you can’t outwork a poor diet. I’m not a terribly picky eater, but I learned there’s a huge difference between eating to fuel your body and eating your feelings. I learned it’s important to feel my feelings fully, instead of denying and eating them. So when I do make less healthy choices, I ask myself if I’m eating because I’m hungry, or if I’m eating a feeling.

Focusing on short-term goals, like losing five pounds at a time, was helpful at the start as well. I also looked for non-scale victories too—not being winded, doing a pushup, things like that. Doing this, I was able to drop another 30 pounds.

When I started these workouts, I knew I was too heavy to start doing a lot of cardio without injury. But when I hit 50 pounds lost, I wanted to pick it up again. It was something that I enjoyed before college in 2009 when the freshman 15 hit me and kept going up until late ’18.

With the Couch to 5K app, I safely built up my mileage starting in February 2019. I remember getting up at 4 a.m. for hour-long walks/jogs. It was amazing being out when the world was quiet, but it wasn’t always easy. On days I didn’t want to go out, I would say “on your feet” to get myself out there.

It was somewhat frustrating that I couldn’t do more at first. Again, I set those small goals for myself—I would tell myself to not worry about doing running for 20 minutes straight, but instead get through the next 90 seconds. I could do anything for a minute and a half.

As many runners discover, I was able to go farther and farther as time went on. When I ran my first 5K, I felt unimaginably proud. It must’ve taken me 40 minutes, but it made me want to keep going.

[Discover how to run 10, 50, or even 100 pounds off with Run to Lose.]

My running and weight loss have been getting better ever since. Less than six months after starting, I did my first half marathon. It wasn’t an organized race, and I wasn’t even planning to do it on the day that I did it in July 2019. I just went out and did it for fun. I had been building up for it and hoping to do it one day. I love my short-term goals, but achieving this long-term one was just amazing.

I’ve been running strong ever since. My weight has gone down to 154 pounds, and I’m hoping to continue to go down in 2020. Honestly, this is the best investment I’ve ever made.

I do still struggle with it though. There are times I worry that clothes one day won’t fit me, and that I’ll fall off the wagon and gain the weight back. It was 100 percent worth doing though, and I wish I had done it sooner.

For anyone who wants to go on a similar journey, set small, achievable goals on and off the scale, and celebrate them. Identify the obstacles in your life, accept them, and come up with plans to confront and address them. Also, appreciate the people in your life who boost you up, and are your biggest cheerleaders. My partner’s love and support through this process was invaluable, I couldn’t have done it without his support and the little nudges along the way to keep me on track.

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‘I Almost Didn’t Qualify for Health Insurance, So I Ran Off 96 Pounds’ (2024)

FAQs

Can you be denied health insurance because of weight? ›

Your weight alone is not likely to disqualify you.

But additional factors that may be related to your body composition could impact your approval, such as: Health Conditions: If you have a significant health issue exacerbated by your weight, you could be denied coverage or required to pay higher premiums.

What happens if you don't have health insurance in the US? ›

If you don't have health insurance, you're at much greater risk of accumulating medical bills that you may not be able to pay. In a worst-case scenario, you could be sued and have your wages garnished.

What percentage of health insurance claims are denied? ›

The Kaiser Family Foundation Study on Health Care Claim Denials. According to the Kaiser Family Foundation's (KFF) study on healthcare claim denials, 17 percent of in-network claims were denied in 2021, or 17 out of every 100 claims. Insurer denial rates ranged from 2 to 49 percent, depending on the company.

What determines how much you pay for health insurance? ›

Five factors can affect a plan's monthly premium: location, age, tobacco use, plan category, and whether the plan covers dependents. Notice: FYI Your health, medical history, or gender can't affect your premium.

What is the minimum weight loss for health benefits? ›

A 5-10 percent weight-loss can result in a five point increase in HDL cholesterol. This deserves applause as raising HDL by these few points can lower the risk of an individual developing heart disease. HDL cholesterol of more than 40 mg/dl for men and more than 50 mg/dl for women is protective against heart disease.

Do obese people pay more for health insurance? ›

Can insurance companies charge higher premiums if you have obesity? No. Obesity is considered a pre-existing condition under the Affordable Care Act (ACA). So, as with all pre-existing conditions, insurance companies cannot make people with high BMIs pay more in premiums.

How can I get health insurance without a job in USA? ›

If you're unemployed you may be able to get an affordable health insurance plan through the Marketplace, with savings based on your income and household size. You may also qualify for free or low-cost coverage through Medicaid or the Children's Health Insurance Program (CHIP).

Does the IRS penalize you for not having health insurance? ›

So technically, the law does still require most Americans to maintain health insurance coverage. But the IRS no longer imposes a penalty on people who don't comply with that requirement.

How much is health insurance in America per month? ›

The average monthly health insurance cost for a bronze plan is $373 for a single 30-year-old person. That same person pays an average of $488 for a Silver plan and $634 for a Gold plan. A 40-year-old single person pays $420 on average each month for a bronze plan, $549 for a silver plan and $713 for a gold plan.

What is a dirty claim? ›

Dirty Claim: The term dirty claim refers to the “claim submitted with errors or one that requires manual processing to resolve problems or is rejected for payment”.

How many people struggle to pay for health insurance? ›

About half of U.S. adults say it is difficult to afford health care costs, and one in four say they or a family member in their household had problems paying for health care in the past 12 months.

Why do people get denied health insurance? ›

Having a history of making multiple insurance claims, whether big or small, could signify that you are a high-risk client and therefore may make an insurer less likely to take you. If you are found to have committed insurance fraud in the past, you are highly likely to be denied health insurance.

How much is Obamacare a month for a single person? ›

Monthly premiums for Affordable Care Act (ACA) Marketplace plans vary by state and can be reduced by premium tax credits. The average national monthly health insurance cost for one person on an Affordable Care Act (ACA) plan without premium tax credits in 2024 is $477.

How much of your monthly income should go to health insurance? ›

A good rule of thumb for how much you spend on health insurance is 10% of your annual income. However, there are many factors to consider when deciding how much to spend on health insurance, including your income, age, health status, and eligibility restrictions.

What percent of paycheck goes to health insurance? ›

In 2020, an employee's total potential out-of-pocket medical costs (premium and deductible) amounted to 11.6 percent of median income. This included 6.9 percent in employee premium contributions and 4.7 percent in deductibles.

Does weight affect insurance? ›

Your weight is just one of several factors that insurance companies consider when setting policy rates, along with your age, health, lifestyle and family medical conditions. Specifically, insurers use your height-to-weight ratio to determine whether you are overweight or obese.

Can insurance deny obesity claims? ›

Although any health insurance company can potentially deny your obesity treatment, some insurers may be more likely to deny the treatment than others.

What is the weight limit to be obese? ›

Adult BMI Calculator
BMIWeight Status
Below 18.5Underweight
18.5—24.9Healthy Weight
25.0—29.9Overweight
30.0 and AboveObesity

Why would health insurance deny you? ›

Perhaps the most common reason a health insurer may deny your application is because you have one or more pre-existing conditions. A pre-existing condition is any health condition, diagnosed or undiagnosed, you have at the time of applying for an insurance policy.

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