Updated July 2026
Been told you need a statin and wondering whether it is the right move for you? You are not alone. Because the risk formulas doctors rely on consider age as a major risk, nearly every man over 65 and woman over 70 ends up qualifying for one, a point made directly in Mayo Clinic Proceedings.
Why does almost everyone eventually qualify for a statin?
Because the risk math leans so heavily on age. To decide whether you need a statin, like atorvastatin (Lipitor) or rosuvastatin (Crestor), doctors feed your details into a risk calculator, things like age, blood pressure, smoking history, and HDL, to estimate your odds of a heart attack or stroke over the next 10 years. A result around 7.5 percent or higher usually prompts a prescription. The catch is that as you age, that number can cross the line on age alone. The 2026 guidelines, by lowering the threshold on what constitutes a normal LDL, widened the net further, pulling in millions more people, some as young as their 30s.
Are statins as harmless as they are made to sound?
Not entirely, though they are safer than their reputation in some circles suggests. Statins clearly lower the risk of heart attacks and strokes, and for the right person they are life-saving. But starting a medication you may have to take for the rest of your life is not a small decision.
The most talked-about side effect is muscle aches, though in careful trials the true excess over a placebo is only a few percent, and many real-world muscle complaints turn out not to be caused by the drug at all. Patients can rarely develop reversible cognitive changes or liver function abnormalities – which go away with stopping the drugs. Perhaps most worrisome is that statins can also nudge blood sugar upward and modestly raise the chance of developing diabetes, mostly in people already heading that way. That effect may not be reversible. The American Heart Association's review of statin safety lays this out in detail.
None of this makes statins inherently dangerous. But it does mean the choice to start one should be personal, not automatic.
How might you safely skip a statin?
By checking whether you actually have the plaque a statin is meant to fight, using a coronary calcium scan. A 2019 study in the Journal of the American College of Cardiology found that men aged 55 to 80 and women aged 60 to 80 with a coronary calcium score of 10 or less were at very low risk of a heart event, no matter what the risk calculator said, and would not be expected to gain much from a statin. That reassurance held for at least three years, at which point the scan could be repeated. More than a third of the people in that study had a score that low.
It helps to remember why we prescribe statins in the first place. We don't do it to improve a number. We do it to lower the risk of a heart event. How low your LDL ends up is simply a measure of how much that risk was reduced. If your risk is already very low, a statin will not meaningfully change your outcome, whatever your cholesterol or your age.
What does a calcium score actually mean?
It tells you, in general terms, how much plaque has built up in your heart's arteries. Calcium collects in those arteries only where plaque is present. What's convenient is that calcium is readily seen on a CT image. A score of zero means that no calcium was found, and plaque levels are very low. A score over 100 signals a meaningful amount, and a score over 400 is enough that a stress test makes sense even if you feel perfectly fine. The highest score I have ever seen in a patient where I ordered the test was 2,217. I have seen reports of scores over 6,000.
A calcium scan, though a recognized test to be used to help determine if statins should be deployed, is usually not covered by insurance (though it may be with a physician referral). The out-of-pocket cost is around $150.
Who should stay on a statin no matter what?
Some people are high-risk enough that a scan will not change the plan, so they should simply be on a statin. That includes anyone with known heart or vascular disease, anyone with diabetes, and most people with familial hypercholesterolemia, the genetic form of very high cholesterol. And if you do get a scan and calcium turns up, there is no need to panic even if the score is high. That calcium did not accumulate overnight. Calcium accumulates over many years, so whatever is discovered has been building for a long time. The score is simply a nodal point on a decision tree – it helps your doctor tailor your prevention plan to you.
What matters most, whatever your score?
Your everyday habits, and diet above all. No matter your age, your cholesterol, or your calcium score, the cornerstone of lowering risk is how you live. Favoring a whole-food, plant-rich way of eating, which is exactly what Step One Foods is designed to make easy, along with regular exercise and not smoking, are the most important steps you can take. Statins lower cholesterol. They don't build health. Only you can do that.
If you're new to this site and found this useful, I write one of these evidence-based articles every week. You can get them in your inbox by joining my email list at the bottom of this page. No spam, no requirement to buy anything, just practical knowledge.
Tested & Proven Results.
- Cardiologist formulated
- Supported by over 500 publications
- Clinically-proven, in a double-blind randomized trial with Mayo Clinic and The University of Manitoba
80% of participants lowered their cholesterol in just 30 days. With just two servings per day, Step One Foods offers a proven-effective way to naturally lower LDL (bad) cholesterol.
Try Step One Foods Today!


