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  4. Did You Know Your Medical History Affects Your Insurance Rates?

Did You Know Your Medical History Affects Your Insurance Rates?

The secret database that insurance companies use to check your health history

Written by Robert J Wilkins IV

What Is the Medical Information Bureau (MIB)?

230M people have MIB files

The MIB is a non-profit consumer reporting agency owned by approximately 430 insurance companies in the U.S. and Canada. When you apply for individual life, health, disability, or long-term care insurance, the insurer may report coded information about your health conditions and risk factors to the MIB.

  • Only contains information from insurance applications, not doctor visits
  • Stores coded medical conditions, not detailed diagnoses
  • Used to flag potential undisclosed conditions during underwriting
  • Cannot be the sole basis for insurance denial
  • Regulated under the Fair Credit Reporting Act
The MIB is like a credit bureau for your insurance application history. What you disclosed on past applications follows you.

What Information Does MIB Track?

MIB doesn't store your complete medical records. Instead, it tracks coded information about conditions disclosed during insurance applications - things like diabetes, heart conditions, obesity, tobacco use, and even hazardous activities like skydiving.

  • Medical conditions disclosed on insurance applications
  • Hazardous activities and high-risk hobbies
  • Height/weight information indicating obesity
  • Drug and alcohol history if disclosed
  • Driving record indicators (DUI history)
  • Previous adverse underwriting decisions

Legal Insight: MIB information is coded, not detailed. Insurers must verify MIB codes with actual medical records before making underwriting decisions.

How to Get Your Free MIB Report

You're entitled to one free MIB Consumer File disclosure every 12 months. Many consumers don't have an MIB file at all - you only have one if you've applied for individual insurance through an MIB member company.

  • Request online at mib.com/request_your_record.html
  • Call 1-866-692-6901 to request by phone
  • Free if you've been denied insurance in the last 30 days
  • Report shows coded conditions and which companies accessed your file
  • No MIB file? That means no adverse information is being shared

How Credit1Solutions Can Help

While MIB errors are less common than credit report errors, they can be devastating when they occur. Our team helps clients navigate the MIB dispute process and ensure their insurance applications aren't unfairly impacted by incorrect medical coding.

  • Request and analyze your MIB Consumer File
  • Identify incorrect medical codes or outdated information
  • Prepare documentation from your physician for disputes
  • File reinvestigation requests with MIB
  • Advise on timing insurance applications around MIB corrections
One incorrect code on your MIB report can cost you thousands in higher insurance premiums - or block coverage entirely.

Continue Reading

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Your Legal Rights

Consumers are protected by several federal laws when dealing with credit reporting issues related to did you know your medical history affects your insurance rates?:

  • Fair Credit Reporting Act (FCRA) — 15 U.S.C. §1681: Requires credit bureaus to maintain accurate information and investigate disputes within 30 days. Consumers can dispute inaccurate items directly with bureaus or furnishers.
  • Fair Debt Collection Practices Act (FDCPA) — 15 U.S.C. §1692: Prohibits abusive, deceptive, and unfair debt collection practices. Collectors must validate debts upon request.
  • Credit Repair Organizations Act (CROA) — 15 U.S.C. §1679: Regulates credit repair companies and protects consumers from deceptive practices.

You may file complaints with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).

Why Trust Credit1Solutions

  • Attorney-backed by Hemminger Law Firm, Consumer Rights Attorneys
  • BBB A+ Accredited since 2015
  • Founded in 2006 — 19+ years of experience
  • Over 30,000 families helped nationwide
  • FICO-certified credit education specialists
  • Full compliance with FCRA, FDCPA, and CROA

Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026

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