This classification suggests you're in average health with minor issues, such as being slightly overweight according to the BMI scale. (healthiq.com)
In fact, it typically means that you meet the life insurance company's standard rating for someone of average health and with your specific family health history, weight, age, etc.. (protective.com)
Your health insurance company can structure the cost - sharing reduction however it wants as long as the health plan pays the correct percentage of overall average health care expenses. (verywell.com)