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

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.

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.

Michael Ertel is the President of Ertel & Company, Inc. and has over 15 years of experience in the health insurance business. He is the founder of MedicalInsuranceNow.com which is an internet based service that assists individuals, families, and small business owners by providing side by side comparisons of health insurance alternatives and the convenience of applying for health coverage online.

In The News:


New York Times

Fate of Children's Insurance Program Is Called Into Question at Senate Hearing
New York Times
WASHINGTON — A Senate hearing on Tuesday set the stage for a coming debate over whether the federal government should continue financing a popular health insurance program for lower-income children who are now eligible for new coverage options ...
Subcommittee hears testimony on children's insurance programCharleston Daily Mail
FAQ: Children's Health Insurance Program's Future Is Unclear Under The Health ...Kaiser Health News
FAQ: Children's Health Insurance Program's Future Unclear Under Health LawGant Daily
Insurance News Net
all 25 news articles »

'Llamas are soo cool' fake car insurance could be thwarted by proposed anti ...
The Saginaw News
LANSING, MI -- An extra $2-per-vehicle fee would fund an authority tasked with cracking down on auto insurance fraud under a proposal released Wednesday by Secretary of State Ruth Johnson's Fighting Auto Insurance Rip-offs task force. Johnson pulled ...


NPR

Rise of Catholic insurance plans raises questions about contraceptive coverage
PBS NewsHour
Juan Serrano, who heads CHI's new insurance subsidiary, Prominence Health, said in an interview that over the next year and a half Prominence plans to “expand our health plan footprint into additional Catholic Health Initiative markets…where they make ...
How Catholic Insurance Companies Outsource Contraceptive CoverageWMRA

all 12 news articles »

Don't Be a Jerk. Buy Life Insurance.
Bloomberg View
“Social Security isn't much help for younger widows who earn a disproportionately smaller share of the family income. Even though he had life insurance (I insisted), and we had retirement funds, I am facing a rocky retirement that began earlier than ...

and more »

Reuters

Number of Americans Without Health Insurance Falls, Survey Shows
New York Times
Federal researchers reported on Tuesday that the number of Americans without health insurance had declined substantially in the first quarter of this year, the first federal measure of the number of uninsured Americans since the Affordable Care Act ...
The Right Way To Subsidize Health InsuranceForbes
Will I be fined if I lose my health insurance?MSN Money
US says 115000 could lose Obamacare insurance over immigrationReuters
International Business Times -Huffington Post -Daily Caller
all 207 news articles »

Tens of Thousands Likely to Lose Health Insurance at End of September
Wall Street Journal
WASHINGTON—Tens of thousands of people are likely to lose their health insurance at the end of this month because they missed a deadline to confirm they are legally residing in the U.S., the Obama administration said Monday. In all, 115,000 people ...

and more »

Clarifying Health

Individual health insurance rates to rise 13.2%
Miami Today
Florida residents will be paying an average increase of 13.2% for individual health care insurance in 2015, according to preliminary numbers from the Florida Office of Insurance Regulation. No data has been released yet on employer plans for 2015. The ...
Get a jump on getting insuranceCatskill Daily Mail
Notify insurance carriers of status changesBluffton Today
Enrollment opens Nov. 15 for Oklahoma's online health insurance exchangeNewsOK.com
Kennebec Journal & Morning Sentinel -The Roundup
all 16 news articles »

Traders Buying Insurance Against an October Crash
Barron's
Traders Buying Insurance Against an October Crash. Investors are buying options that will pay off handsomely if the market gets ugly in coming weeks. Email; Print; Comments; Order Reprints. Facebook. Share. 0. Twitter. Google+. LinkedIn. smaller; Larger.

and more »

USA TODAY

Drivers in Michigan, especially Detroit, pay dearly for car insurance
WZZM
If you take a national average expenditures for auto insurance at $797, then you'd be talking about a metro Detroit average of $2,100 per car, according to Laura Adams, senior analyst for insuranceQuotes.com. Granted, actual rates are going to vary by ...
Top 25 cities for highest auto insurance ratesUSA TODAY
Detroit Takes Another Title: Highest Car Insurance in AmericaInsurance Journal (blog)
Michigan auto insurance rates among highestWKZO
Birmingham Business Journal -MSN Autos -WOODTV.com
all 18 news articles »

Financial Post

BP Hopes Missing Comma Triggers $750 Million Transocean Spill Insurance
Insurance Journal
BP Plc, which already has paid more than $28 billion for the 2010 Gulf of Mexico oil spill, seeks to get a $750 million chunk of that back by convincing a Texas court that a missing comma may give the oil company access to Transocean Ltd.'s insurance ...
BP, Transocean square off over insuranceHouston Chronicle
BP Seeks Access to $750 Million Transocean InsuranceBloomberg
BP argues missing comma in insurance contract entitles company to US$750 ...Financial Post

all 17 news articles »
Google News

7 Tips Toward Helping You Reduce Your Insurance Costs

Not a year goes by that insurance rates go up.... Read More

Accident Insurance Claim Personal Injury Insights

There's nothing that has a greater impact on evaluating a... Read More

What Does Buildings Insurance Cover?

You will find that your lender will insist that you... Read More

Terrorism: Acts of Terrorism: When Will Insurance Respond?

Insurance policies provide financial protection in a broad range of... Read More

What Is Permanent Life Insurance?

Unlike term life insurance, permanent insurance policies such as universal... Read More

What is Consumer-Driven Healthcare?

Consumer-driven healthcare is a label that we've put on a... Read More

Disability Insurance For The Long Term

Disability insurance covers you for an extended period of time.... Read More

5 Strategies To Reduce Your Car Insurance Premiums

Your latest car insurance bill has arrived and it is... Read More

The Life Insurance Quote Business is Booming, but is the Insurance Quote Accurate?

The life insurance quote business online is booming. Not only... Read More

Your Personal Injury Insurance Claim: Several Crucial Insights Into Medical Reimbursements

The best judge of Total Disability and/or Partial Disability is... Read More

Insurance Credit Scoring: An Ethical Issue

The issue at hand is the use of a consumer's... Read More

Insurance Claim - Medical Insights And Expenses

There's nothing that has a greater impact on evaluating a... Read More

Car Insurance Gearing up to Drive Down Costs

For once finances seem to be going in favour of... Read More

Car Insurance Rates ? Can You Lower Them?

Car insurance rates are prohibitive nowadays. Many families really struggle... Read More

How to Reduce Home Insurance Premiums

Here are some useful tips on how to reduce Home... Read More

Buildings Insurance and the Threat of Flood

What is the impact of increased flooding risk in the... Read More

Life Settlements, More than a Cash Surrender Payout

With a life insurance settlement, seniors now have the ability... Read More

How to Reduce Car Insurance Premiums

Here are some useful tips on how to reduce car... Read More

Medical Insurance Overseas

Thousands of people have work related commitments and in order... Read More

Do You Know What The 7 Home Insurance Plans Are?

Most people don't realize that there are 7 different homeowners... Read More

Homeowners Insurance at a Glance

At first glance, homeowners insurance may seem perplexing and quite... Read More

Hidden Ways to Cut Car Insurance

Consumers are countering rising gasoline prices and other vehicle operating... Read More

Life Insurance Fears Post the London Bombings Tragedy

Following on from the tube train and bus bomb attacks... Read More

Need A Car Insurance Comparison? Dont Have Time?

If you decide not to do a car insurance comparison... Read More

Your Cars After-impact Diminished Value

The(ACV)Actual Cash Value Policy DOES NOT insure the property itself... Read More