Just as your credit score influences your mortgage rate, your health score can influence how much you will pay for health insurance.

People who are insured at work have no worries because all employees in a company are given the same rating. People with private insurance are individually rated. Insurers put data into a computer that includes age, gender, smoking, health conditions, prescribed drugs, and tests.

Some insurance companies use the information in a helpful way. Aetna, for example, may have a nurse call to discuss health and safety matters.