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The Gap Series · Part 4 of 6

What Your Cholesterol Test Didn't Tell You

Elevated LDL is a finding, not a diagnosis. It does not tell you the LDL particle size, whether Lp(a) is adding independent risk, whether insulin resistance is the underlying driver, or whether your thyroid needs addressing first. These are the questions that determine what the finding means and what, if anything, should be done about it.

STEPHEN DUNCAN FDN-P BSC HONS MSC · DETECTIVE HEALTH · JULY 2026

Elevated LDL cholesterol is treated, in much of standard practice, as a problem with a known solution: a statin. The decision pathway is well-established — calculate cardiovascular risk score, if above threshold prescribe statin, retest LDL at follow-up. It is efficient, guideline-driven, and misses several things that matter enormously for the individual patient sitting in front of you.

This is not an argument against statins. For secondary prevention — patients who have already had a cardiovascular event — the evidence for statins is robust and the benefit is clear. For primary prevention in high-risk patients, the picture is more nuanced. What this post addresses is what standard cholesterol testing and risk scoring does not tell you — and why that matters for how the finding is understood and what, if anything, should be done about it.

Standard Cholesterol Assessment
  • Total cholesterol, LDL-C, HDL-C, triglycerides
  • Cardiovascular risk score (QRISK3)
  • Statin prescription if risk threshold met
  • No assessment of LDL particle size or number
  • No Lp(a) measurement
  • No insulin resistance assessment
  • No inflammatory marker context
  • Little discussion of what to do if muscle symptoms appear
Functional Cardiometabolic Assessment Adds
  • LDL particle size: small dense (atherogenic) vs large fluffy (relatively protective)
  • Lp(a) — genetic independent cardiovascular risk factor, unaffected by statins
  • Fasting insulin and HOMA-IR — insulin resistance as the driver of dyslipidaemia
  • TG:HDL ratio — metabolic syndrome proxy, more predictive than LDL-C alone
  • ApoB — total atherogenic particle count, more predictive than LDL-C
  • hs-CRP and homocysteine — inflammatory cardiovascular risk independent of lipids
  • A plan for muscle symptoms on a statin — including whether a CoQ10 trial is worth it (evidence mixed)
  • Thyroid function — hypothyroidism is a common reversible cause of elevated cholesterol

The Cause of Elevated Cholesterol Matters

Elevated LDL cholesterol is not a disease. It is a finding. Like elevated blood pressure or elevated fasting glucose, it is a signal that something in the underlying physiology is worth understanding. The most common cause of elevated cholesterol and triglycerides in the modern population is insulin resistance and metabolic syndrome — not dietary cholesterol, not genetic hypercholesterolaemia, and not a statin deficiency.

When insulin resistance is the driver, the lipid pattern has characteristic features: elevated triglycerides, low HDL, normal or modestly elevated LDL-C but with a shift toward small dense LDL particles, and an elevated TG:HDL ratio. Treating this pattern with a statin lowers LDL-C on paper while leaving the underlying metabolic dysfunction untouched. The result: the number improves, the risk does not necessarily.

Hypothyroidism is another common and entirely reversible cause of elevated cholesterol. Every patient with newly identified elevated cholesterol should have thyroid function assessed — specifically TSH, free T3, and free T4, not just TSH. Treating an elevated cholesterol that is secondary to untreated hypothyroidism with a statin treats the effect while missing the cause.

The CoQ10 Question

Statins block HMG-CoA reductase, an early enzyme in the pathway that makes cholesterol. The same pathway makes CoQ10, so statins lower the body’s own CoQ10, and studies consistently find lower blood CoQ10 in people taking them. That much is established biochemistry. That lower CoQ10 causes muscle symptoms, or harms the heart, is a plausible idea that hasn’t been shown. Grade: mechanistic.

Muscle symptoms are common on statins, but in the blinded trials they were almost as common on placebo: 27.1% versus 26.6%, and more than 90% of muscle complaints weren’t caused by the statin (CTT 2022). Trials of CoQ10 for statin muscle symptoms disagree: one meta-analysis found no benefit, two found some. Grade: mixed. If symptoms persist, a time-limited CoQ10 trial with a symptom diary is reasonable, after talking to your prescriber, and you shouldn’t stop a statin on your own. The trials, the doses they used and who should check first are in CoQ10 and statins: what the trials show.

Lp(a) — The Risk Factor Nobody Checks

Lipoprotein(a) — Lp(a) — is a genetically determined independent cardiovascular risk factor. Elevated Lp(a) doubles or triples cardiovascular risk regardless of LDL-C level. Statins do not reduce Lp(a) — they may actually increase it slightly. PCSK9 inhibitors reduce Lp(a) modestly. But Lp(a) level is almost never measured in standard NHS cardiovascular risk assessment.

A patient with normal LDL-C on a statin but elevated Lp(a) remains at significantly elevated cardiovascular risk that the standard monitoring misses. Lp(a) should be measured once in every adult — it is genetically stable throughout life and does not require repeat testing unless treatment specifically targeting it is initiated.

The cholesterol number tells you what your LDL is. It does not tell you what kind of LDL particles you have, whether insulin resistance is driving them, whether Lp(a) is adding independent risk, or whether your thyroid needs attention before a statin is considered. These are the questions that determine whether the finding matters and what to do about it.
Functional Cardiometabolic Assessment

The Regenerus Functional Platinum blood panel covers fasting insulin, HOMA-IR, TG:HDL ratio, hs-CRP, homocysteine, free T3 and T4, and liver function markers that put the lipid picture in context. ApoB and Lp(a) need the Doctor’s Data CardioMetabolic add-on, which also reports small dense LDL. Blood CoQ10 can be measured by some specialist labs, but no level has been defined as too low on a statin, so I don’t test it routinely. The functional picture of someone with elevated cholesterol is almost always more complex and more actionable than the statin-or-no-statin binary.

The Gap Series

Introduction — Your Test Was Normal. So Why Don’t You Feel Normal? Part 1 — What Your Colonoscopy Didn’t Show Part 2 — What Your NHS Blood Test Didn’t Show Part 3 — What Symptom-Based HRT Prescribing Misses Part 4 — What Your Cholesterol Test Didn’t Tell You Part 5 — What Your Blood Pressure Reading Doesn’t Explain Part 6 — What a Normal TSH Doesn’t Mean

What is your functional picture beyond your standard tests?

The DH TDG Five-Test Programme investigates the territory that standard investigation doesn’t reach. Ask the Concierge which tests apply to your situation.

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