Yes — health conditions, prescription history, tobacco, marijuana (THC) use, high-risk hobbies (aviation, extreme sports), and driving record all affect your premium classification and eligibility. Applicants in excellent health qualify for the best “preferred plus” rates. Those with manageable conditions like controlled hypertension or type 2 diabetes may qualify at standard rates. People with serious health conditions may still obtain coverage through simplified-issue (no exam, limited health questions) or guaranteed-issue (no medical questions) policies, typically with lower maximum benefits and higher premiums.