The amount of alcohol a person consumes on a regular basis affects the rate of their health insurance premiums as well as the limits and exclusions to the policy. The consumption of alcohol in the form of recreational alcoholic drinks is something that many people do not think about in connection with their health insurance applications or premiums but it is definitely a factor. It is important, however, to be honest when filling out the insurance application for if untruths are found, the policy will likely be cancelled immediately and the reasoning cited as to prevent or severely hamper the procuring of insurance from somewhere else in the future.