For applicants with diabetes, A1C is often one of the most influential numbers on an application. It gives insurers a picture of how well blood sugar has been managed over time.
Why A1C matters to insurers
Because A1C reflects average blood sugar over roughly three months, carriers use it as a signal of how consistently diabetes is being managed. Generally, lower and stable readings are viewed more favorably, while higher readings may lead to a higher rate class. Each carrier applies its own guidelines.
General ranges insurers consider
| A1C range | How it's often viewed |
|---|---|
| Lower / well-managed | May qualify for more favorable rate classes |
| Moderate | Often a table rating (a surcharge); still frequently insurable |
| Higher | May lead to higher ratings; no-exam or guaranteed-issue may be alternatives |
These are general illustrations only — actual thresholds and decisions vary by insurer and depend on your full profile.
Important: Always follow your healthcare provider's guidance on managing your diabetes and A1C. This page is general information, not medical advice. Eligibility and rates are determined by the insurer and are not guaranteed.
How this affects your quote
Because carriers interpret A1C differently, comparing multiple diabetes-friendly insurers is the best way to see the range of options that may be available to you.