Which of the following conditions is NOT listed as potentially increasing rates for insurance coverage?

Sleep apnea is generally considered a less critical condition compared to the other listed options regarding its impact on insurance rates. While sleep apnea can lead to other health issues, it is not typically categorized as a condition that significantly increases insurance premiums by itself.

In contrast, chronic kidney disease, cirrhosis of the liver, and congestive heart failure are serious medical conditions that have a profound impact on an individual's overall health and can increase the risk for various complications. Insurers often view these conditions as high-risk factors, resulting in higher insurance rates to cover the potential financial liability associated with the necessary medical care. Therefore, sleep apnea, when managed effectively, may not lead to a heightened risk assessment by insurers, distinguishing it from the more severe conditions listed.