Approximately one quarter of UK adults are currently diagnosed with two or more chronic conditions, often referred to as multimorbidity. Chronic stress has been implicated in the development of many diseases common to multimorbidity. Policymakers and clinicians have acknowledged the need for more preventative approaches to deal with the rise of multimorbidity and “early ageing”. However divergence may occur between an individual’s self-rated health and objectively measured health that may preclude preventative action. The use of biomarkers which look ‘under the skin’ provide crucial information on an individual’s underlying health to facilitate lifestyle change or healthcare utilisation. The UK’s Understanding Society dataset, was used to examine whether baseline variation in biomarkers measuring stress-related “wear and tear” – Allostatic Load (AL) – predict changes in future self-rated health (SRH) while adjusting for baseline SRH, socioeconomic and lifestyle factors, and healthcare inputs. An interaction between baseline AL and baseline SRH was included to test for differential rates of SRH change. We examined SRH using the SF6D instrument, measuring health-related-quality of life (HRQoL), as well as it’s physical and mental health components separately. We found that HRQoL and physical health decline faster for those with higher baseline AL (indicating greater “wear and tear”) however the same pattern was not observed for mental health. These findings provide novel insights for clinicians and policymakers on the usefulness of AL in capturing health trajectories of which individual’s may not be aware and its importance in targeting resilience enhancing measures earlier in the lifecourse to delay physical health decline.