Health Care and Health Insurance Costs Can Be Controlled Through Lifestyle Choices

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Health Insurance, As you probably know all to well, the cost of healthcare

and health insurance premiums continue to increase at levels substantially

above the general inflation rate. The reasons given for these extraordinary

cost increases are numerous and include: technological advancements in

the medical field, increased demand for medical services and prescription

drugs, the aging of the population, cost shifting caused by the uninsured

and governmental reimbursement rates, state and federal mandates , and

costs associated with medical related lawsuits.

As individual consumers, we have very little control over some of the

factors contributing to the cost of healthcare. However, all of us have

control over lifestyle related health insurance claims. A simple formula of

eating a balanced diet, getting the appropriate amount of daily exercise,

participating in annual physicals and other recommended routine care,

limiting alcohol consumption, and eliminating the use of tobacco products

will no doubt reduce our personal healthcare costs. In addition to reducing

medical costs, the other benefits of following such a formula include more

energy, self confidence, less stress, and increased productivity. If you are

not doing so already, I encourage you to consider practical ways to promote

a healthy lifestyle for you and your family. For example, one of the

individual health insurance companies my organization works with has an

option that will offset 25% of the annual cost of a health club membership.

Simple things such as taking a walk, bike ride, or going swimming promote

both a healthy body and mind. If you have a sweet tooth, consider limiting

yourself to eating desert once a week. You will enjoy it more and your body

will thank you.

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Health insurance premiums will continue to increase as long as the cost of healthcare continues to go up. The best way to reduce the overall cost of healthcare is to decrease our need for healthcare. Healthy lifestyle choices and prudent use of the healthcare system are the best and easiest ways to get a handle on our healthcare expenditures. Perhaps the greatest benefit of a healthy lifestyle is our ability to enjoy our precious time here on earth to the fullest.

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Source by Michael Ertel

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