Texas faces a severe diabetes crisis, with 12.3% of adults diagnosed and 34% having prediabetes, compounded by the highest uninsured rate in the U.S. at 16.6%. Uninsured individuals often have undiagnosed or unmanaged diabetes, leading to higher life insurance premiums or denial. Well-controlled diabetes can yield standard rates, while poorly managed cases result in significantly higher costs. Texas holds the second-largest life insurance market but has notable coverage gaps due to cost misconceptions and health issues.
