According to the National Sleep Foundation, more than 18 million Americans have obstructive sleep apnea syndrome (OSAS). This is why millions of people with OSAS may see insurance premiums jumps to astronomical rates.
Obstructive sleep apnea is a reversible intermittent closure or partial closure of the upper airway. Symptoms are usually divided into daytime and night time symptoms.
Common daytime symptoms include headache, irritable, depression, excessive sleepiness, memory problems. Frequently occurring night time symptoms are loud snoring, non-refreshing sleep, difficulty staying asleep, restless sleep and waking up to urinate multiple times during the night. Here’s why insurance companies might charge you higher premiums.
Difficulty breathing at night is associated with drops in blood oxygen level, a condition called hypoxemia. Hypoxemia leads to hypertension, heart disease, strokes and cognitive dysfunction. In addition, Struggling to breathe during sleep stresses the body. In response to stress, the body releases stress hormones. Stress hormones prepare the body for flight or fight. You are probably familiar with two well known stress hormones are epinephrine and cortisol.
"Stress hormones increase insulin resistance and this causes elevated blood sugar level.”[i]