Does my credit get checked when I request a health insurance quote?

When you request a health insurance quote, the insurance company will usually require you to provide some personal information, such as your name, date of birth, and address. They may also ask for your social security number, although this is not always necessary. Once you provide this information, the insurance company may use it to check your credit history. However, whether or not your credit gets checked will depend on the specific insurance company and their policies. In general, health insurance companies may check your credit score as part of their underwriting process. This is because they use your credit score as one of the factors to determine your likelihood of making claims and your ability to pay for the premiums. However, not all insurance companies will check your credit score when you request a health insurance quote. Some companies may only check your credit score if you decide to apply for coverage, while others may not check your credit score at all. If your credit score is checked, it's important to note that it may affect your insurance premiums. A lower credit score may result in higher premiums, while a higher credit score may result in lower premiums. However, this is just one factor that insurance companies consider when determining your premiums, and your health history and other factors will also be taken into account. In summary, whether or not your credit gets checked when you request a health insurance quote will depend on the specific insurance company and their policies. If your credit is checked, it may affect your premiums, but there are other factors that will also be considered.