You have probably had your cholesterol checked at some point during a routine physical or wellness visit. Your doctor may have mentioned terms like LDL, HDL, and triglycerides, along with a set of numbers that can be difficult to interpret without context. Understanding what those numbers mean — and why they matter — is one of the most important steps you can take toward protecting your cardiovascular health.
The Basics: What Is Cholesterol?
Cholesterol is a waxy, fat-like substance that circulates in your blood. Your body needs cholesterol to build healthy cells, produce hormones, and synthesize vitamin D. However, when certain types of cholesterol reach elevated levels, they can accumulate in the walls of your arteries, forming plaques that narrow and stiffen the vessels over time — a process known as atherosclerosis. This is the underlying mechanism behind most heart attacks and strokes.
A standard lipid panel measures four key components: total cholesterol, LDL cholesterol, HDL cholesterol, and triglycerides. Each tells a different part of the story about your cardiovascular risk.
LDL Cholesterol: The Primary Target
Low-density lipoprotein (LDL) cholesterol is often called "bad" cholesterol because elevated levels are directly associated with plaque buildup in the arteries. For most adults, an LDL level below 100 mg/dL is considered optimal. For patients who already have coronary artery disease or are at high cardiovascular risk, we often target an LDL below 70 mg/dL — and in some cases, even lower.
LDL is the single most important number on your lipid panel when it comes to predicting and preventing heart disease. If your LDL is elevated, your cardiologist will work with you to bring it down through a combination of dietary changes, exercise, and — when appropriate — statin therapy or other lipid-lowering medications.
HDL Cholesterol: The Protective Factor
High-density lipoprotein (HDL) cholesterol is considered "good" cholesterol because it helps remove LDL from your arteries and transport it back to the liver for disposal. Higher HDL levels are associated with lower cardiovascular risk. Generally, an HDL level above 40 mg/dL for men and above 50 mg/dL for women is considered acceptable, though higher is better.
Regular aerobic exercise, maintaining a healthy weight, and avoiding trans fats are among the most effective lifestyle strategies for raising HDL levels.
Triglycerides: The Overlooked Risk Factor
Triglycerides are another type of fat in your blood that can contribute to cardiovascular risk when elevated. A normal triglyceride level is below 150 mg/dL. Levels above 200 mg/dL are considered high and warrant attention. Elevated triglycerides are commonly associated with obesity, poorly controlled diabetes, excessive alcohol consumption, and diets high in refined carbohydrates and sugar.
When to Get Tested
The American College of Cardiology recommends that all adults over age 20 have their lipid panel checked at least every four to six years. If you have additional risk factors — such as a family history of premature heart disease, diabetes, hypertension, obesity, or smoking — more frequent monitoring may be appropriate. If you are unsure when your last lipid panel was or have questions about your numbers, we encourage you to schedule a preventive cardiology visit so we can assess your complete cardiovascular risk profile.