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Here’s one extra reason to start getting into shape: It will make it easier for you to get cheap Florida medical insurance. That excess weight will make you spend a lot in health insurance. There is something called Body Mass Index (BMI) which is used to calculate a prospect’s premium. If your BMI rating is high, your rates will be expensive. The more overweight you are for your height and sex the higher your BMI rating will be. And don’t think that you will get savings only when you lose 50 pounds, just dropping off a few pounds will lower your rates provided it lowers your BMI rating.