[serialmom12]

And I'm sick of my doctor insisting that I am. My A1C is 5.7
And fasting BG between 74-103. I'm scared if he reports this to my ins company that I will never be able to get health or life insurance. What can I do so this doesn't happen?

[neohdiver]

Switch to an incompetent doctor?

Your test scores indicate you are insulin impaired and prediabetic (although doctors are - finally - being encouraged to treat diabetes as a spectrum that begins when you leave the normal range for blood sugar (below 100 for a fasting blood glucose, and below 5.7 for A1C). You have just nudged beyond normal, into the prediabetic end of the diabetes spectrum. Because your doctor is competent, you have the opportunity to make changes to your lifestyle to preserve the receptivity to insulin you still have and to prevent becoming insulin impaired.

Seriously. Early diabetes is silent. Most doctors don't regularly test blood glucose or A1C, so many people have diabetes for years before it creates enough symptoms to trigger search for the cause. You are lucky to have a doctor who is competent at what s/he is doing - and have the gift of time to change your lifestyle to prevent moving farther into the spectrum.

A more direct answer to your question, though: assuming you are in the U.S., health insurance is no longer an issue. You cannot be turned down or charged a higher rate because you have a pre-existing condition.

As for life insurance, buy it now - although it may already be too late for the lowest premium since you are prediabetic. I haven't looked at a life insurance questionnaire recently, but typical questions include "Have you ever been diagnosed with (or told you have) diabetes or pre-diabetes?" You need to answer honestly, and you will have bloodwork done - so lying will not (bloodwork for life insurance companies triggers a whole host of disease diagnoses).

But the next best thing is to change your lifestyle to establish a clear record of keeping your blood glucose in the normal range. If you can do that, the premium bump should be very minimal.