Are you at risk for negative health if your BMI 28?

Mine is, but I don’t have much fat so I’m confused. I have bigger thighs, I’m curvy with a long torso. Why do doctors and people try to tell me I’m borderline obese when I look better then women at 25bmi? Is it really at risk for negative health if I look healthy? I have more natural muscle, and a broader build as well. I think some nuance should be involved for the factors that determine obesity.

Are you at risk for negative health if your BMI 28?
Post Opinion