Rated Health Insurance Worth It?

Only PEC is mental health related but its been 2 years since I last needed meds for it.

I have elevated cholesterol levels (230) but just that. HDL, LDL, triglycerides are all normal.

Now, they got back to me that I fall under health rating B and are adding almost 8k to keep the same face amount.

I might lower my face amount instead to lower the additional fee but wanted to get opinions from here too.

Will it be worth it to push through with this?

Premiums are now 28k/year for 1M vs 24k/year before for 1.1M. I've also been told that this rate won't be open for appeal in case my cholesterol goes back to normal.

I guess I'm just finding this assessment weird and not sure if totally fair but would like to get some thoughts

Edit: thanks all! New to the insurance world so I was sorta thrown off by additional charges but I get now how this is still reasonable. Will continue with this plan :)