 [ Symptoms ] will exercise affect my heart murmur  i try to work out at least 3  5 hours a week i get tired but keep going will this cause any damage [ Disease ] the answer is quite possibly yes part of keeping insurance costs down depends on a good mix of both healthy and sick people in the insurance pool in order to spread the risk if primarily sick people who use a lot of medical services are signing up for coverage and healthy people do not that can cause insurance costs to rise