I'm 6'3" 201 lbs. with a body fat of 7.8% but regardless, my BMI calculates to 25, which states that I am over weight. At my physical for insurance they categorized me as a higher risk and I disagree. I don't smoke, rarely drink, no family history of cancer or significant hereditary illness, yet I'm going to be charged $25 more a month for insurance. I work out 5 times a week, yet someone who never works out, has no muscle mass and is made of jello, but falls below a BMI of 25 pays less then I do? It doesn't seem right. Is there anything I can do to fight it? Another insurance company is not an option, it's the only one my employer offers and they pay half my premium.