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

As you may know all to well, the cost of health care and health insurance premiums continue to increase in the level substantially above the general level of inflation. The reasons given for increasing the cost of many extraordinary and include: technological advancements in the medical field, increased demand for medical services and prescription drugs, the aging population, cost shifting caused by the uninsured and the replacement cost of the government, state and federal mandates, and costs associated with medical related lawsuits.

As consumers, we have little control over some of the factors contributing to the cost of health care. However, we all have control over lifestyle related health insurance claims. A simple formula is to eat balanced diet, do the right amount of daily exercise, participating in annual physicals and routine care is recommended, to limit alcohol consumption, and eliminate the use of tobacco products will reduce the cost of our personal health. In addition to reducing medical costs, other benefits such as the following formula including energy, self confidence, less stress, and increase 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, an individual health insurance companies my organization has been working with one of the options that will offset 25% of the cost of annual health club membership. Simple as taking a walk, ride a bike, 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 more and your body will thank you.

Health insurance premiums will continue to increase for the cost of health care continues to rise. The best way to reduce overall health care costs is to reduce our need for health. Healthy lifestyle choices and be careful to use the health system is the best and easiest way to get a handle on our health care expenditures. Perhaps the many benefits of a healthy lifestyle is our ability to enjoy precious time on earth with the full.