Why Is My Cholesterol High With a Healthy Diet and Exercise?

Maintaining a routine of diet and exercise only to find cholesterol levels remain elevated is a common source of frustration. Cholesterol is a waxy, fat-like substance necessary for building healthy cells, but high concentrations increase the risk of heart disease. It is transported by lipoproteins: low-density lipoprotein (LDL), often called “bad” cholesterol, contributes to arterial plaque buildup, while high-density lipoprotein (HDL), the “good” cholesterol, helps remove it. Triglycerides, a separate type of fat that stores excess energy, also contribute to overall cardiovascular risk when levels are high. When conventional lifestyle measures fail to lower these levels, the cause often lies in biological factors outside of personal control.

Genetic Factors and Inheritance

The most significant non-lifestyle cause of severely high cholesterol is genetics, which impacts how the body processes and clears fats. Familial Hypercholesterolemia (FH) is a common inherited disorder, affecting about 1 in 200 to 250 people, where a single defective gene severely impairs the liver’s ability to remove LDL cholesterol. This mutation typically affects the LDL receptor, which is responsible for clearing LDL particles from the bloodstream.

Due to this inefficiency, LDL cholesterol circulates longer, resulting in very high levels present from birth, regardless of diet. A milder but more common form is polygenic hypercholesterolemia, caused by the cumulative effect of multiple small genetic variations that lead to moderately elevated LDL levels.

Secondary Medical Conditions

Beyond inherited conditions, several acquired medical conditions can disrupt lipid metabolism, leading to high cholesterol. Hypothyroidism, or an underactive thyroid, slows metabolism, including the rate at which the liver removes LDL cholesterol. This slowdown results in an LDL buildup in circulation, which often resolves once the underlying thyroid condition is treated with hormone replacement.

Type 2 diabetes and insulin resistance are frequently associated with a specific lipid profile known as atherogenic dyslipidemia. This pattern features high triglycerides, low HDL cholesterol, and an increase in small, dense LDL particles, which are particularly harmful to arteries. The underlying mechanism involves the overproduction of triglyceride-rich lipoproteins by the liver and the accelerated breakdown of HDL particles.

The liver and kidneys, responsible for processing and filtering blood, can also contribute to the problem. Chronic kidney disease (CKD) alters the activity of enzymes that process fats, leading to increased triglycerides and decreased HDL cholesterol. Certain liver diseases, such as cholestasis, impair the liver’s ability to convert cholesterol into bile acids for excretion, causing cholesterol to accumulate in the bloodstream.

Medications and Unrecognized Lifestyle Influencers

Certain common prescription medications can inadvertently raise cholesterol or triglyceride levels as a side effect. Thiazide diuretics, frequently used for high blood pressure, and older beta-blockers can increase triglycerides and LDL cholesterol while sometimes lowering protective HDL. Hormonal therapies, including certain oral contraceptives and corticosteroids, can also shift the lipid profile toward higher LDL and triglycerides.

Lifestyle factors often overlooked in otherwise healthy individuals can still negatively influence lipid levels. Chronic, unmanaged stress elevates the hormone cortisol, which promotes the release of free fatty acids, potentially raising triglycerides. Consistent severe sleep deprivation similarly disrupts hormonal balance and increases cortisol, leading to higher LDL and reduced HDL cholesterol. These continuous internal pressures can counteract the benefits of a healthy diet and regular physical activity.

Diagnostic Testing and Treatment Adjustments

When high cholesterol persists despite diligent lifestyle efforts, the next step involves a medical evaluation focused on identifying non-lifestyle causes. A doctor may order specific blood tests beyond the standard lipid panel to look for secondary causes, such as thyroid-stimulating hormone (TSH) for hypothyroidism or liver and kidney function panels. To investigate a genetic cause, specialized testing for Lipoprotein(a) (Lp(a)), which is largely genetically determined, or genetic screening for Familial Hypercholesterolemia mutations can be performed.

If a secondary cause is identified, treatment focuses on managing the underlying condition, such as optimizing thyroid hormone levels or adjusting medications. When the cause is primary and non-lifestyle, like FH, treatment often requires non-statin therapies to reach target goals. These options include ezetimibe, which blocks cholesterol absorption in the intestine, and PCSK9 inhibitors, injectable medications that dramatically increase the liver’s ability to clear LDL from the blood. These advanced treatments are necessary for individuals whose bodies cannot process cholesterol efficiently on their own.