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 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:


Man who claims ties to Davy Crockett one of many without insurance
"How important access (is) to health insurance, not just to claim disability for Social Security, but to prevent an illness that can only get worse," said neighbor Lynn Boch. Crockett does not know when or if he will see the state-run exchange take shape.

Springfield News-Leader

Insurance major spends summer sharpening her skills
Springfield News-Leader
During high school, Hilary Rice, risk management and insurance major at Missouri State University, worked in an insurance agency for her grandmother in her hometown of Marshfield. However, when Rice started college, her first inclination was not to ...

Motley Fool

3 Insurance Tricks to Supercharge Your Savings
Motley Fool
But there are major expenses that can and should be reduced if you want to get serious about saving. Two obvious ones are housing and vehicles, but another oft-overlooked savings opportunity is insurance. We necessarily carry insurance on various ...

Miami Herald (blog)

Dinner or medicine? The choices for those in Florida's health insurance gap
Miami Herald (blog)
Although at times in the past she had been covered by private insurance through her employer, she no longer had that option. And she discovered that while more than 1.5 million Floridians now have insurance through the Affordable Care Act, she falls ...
Mark Cruise: Free clinics are continuing to fill health-care gapInsurance News Net

all 7 news articles »

NerdWallet (blog)

Credit-Based Insurance Scores: Do's and Don'ts for Getting the Best Rates
NerdWallet (blog)
FICO spokesman Jeff Scott told the Nerds via email that the credit-based insurance score is “a snapshot of your insurance risk at a particular point in time,” and is based on the information in your credit report. Scott explained that the assumption is ...

and more »

Pittsburgh Post-Gazette

Flood insurance surcharges are on the rise
Pittsburgh Post-Gazette
The new rate increases and surcharges stem from the fact that the flood insurance program run by the Federal Emergency Management Agency is $20 billion in debt due to disasters such as Hurricane Katrina in 2005 and Hurricane Sandy in 2012, as well as ...

and more »

Christian Science Monitor

Does my credit card give me car rental insurance?
Christian Science Monitor
Some credit cards provide car rental insurance, and your own car insurance policy may cover you for rentals as well. When should you buy the insurance rental companies offer you? By Mark Jackson, Brad's Deals April 19, 2015. close. Should you pay for ...
7 car insurance myths that are about to get

all 2 news articles »

Kids and anxiety: North Jersey family battles insurance company for daughter's ...
Families throughout North Jersey are forced to balance getting proper treatment for their child's mental health condition with crippling out-of-pocket costs, whether they have insurance or not. The Affordable Care Act and Mental Health Parity and ...

Charlotte Observer

NC legislature tackles homeowners insurance rates
Charlotte Observer
“We've never seen so many bills introduced in a session ... dealing with homeowners insurance,” said Cady Thomas, chief lobbyist for the N.C. Association of Realtors. “Everybody is feeling the pinch now and it really is time to do something about it in ...

and more »

Boise Weekly

Idaho Health Insurance Exchange: Fourth-Highest Participation in Nation
Boise Weekly
Idaho ranks fourth in the nation, per capita, when it comes to the number of residents who have secured coverage through the state health insurance exchange. To date, more than 85,000 Idahoans are enrolled in, and paying for, health insurance plans ...
Idaho health insurance exchange enrollment fourth in nationKTVB

all 17 news articles »
Google News

Online Insurance: The End of the High Street Broker?

When I was a lad, some 25 years ago, the... Read More

If You Rent A Home, Protect It By Buying Renters Insurance

Renters insurance is often overlooked by people who are renting... Read More

Life Insurance Careers

Do you like to spend all day being sitting around?... Read More

Health Savings Account (HSA): Helpful for Older People?

The Health Savings Account (HSA) is an amazing tool that... Read More

Affordable Life Insurance!

So, you've decided to purchase life insurance. Well then, you... Read More

How To Get Cheap Whole Life Insurance Quotes

Whole life insurance quotes the most expensive kind of policies... Read More

Insurance Providers Weather the Storm While Consumers Flounder

We have just had the first year's anniversary of the... Read More

Discover the Fortune Hiding in Your Insurance Premiums!

Ever thought about how to save money? Sure you have,... 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

An Introduction to UK Home Insurance

Unlike motor cover, home insurance is not a legal requirement... Read More

Travel Insurance Might Be Just What You Need!

Travel insurance is something that many people haven't considered. Sure,... Read More

Is an HSA a Type of Insurance?

A Health Savings Account (HSA) is not a type of... Read More

Why Boat Insurance Is A Necessity

Boat insurance is necessary for all boat owners who live... Read More

Disability Insurance For The Long Term

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

Family Health Insurance Plans - How to Find The Best Provider Online

Family health insurance plans typically need to offer more coverage... Read More

What Are The Auto Liability Insurance State Minimums For My State?

As you shop online for the best auto insurance deals... Read More

Life Insurance: Why Theres No Need to be a Desperate Housewife

Life insurance looks set to make a comeback in the... Read More

Auto Insurance Basics

Most people only think that insurance is something they need... Read More

Why Bother With Farmers Auto Insurance?

Farmers auto insurance is a very large insurance company that... Read More

Term Life Insurance - Buy Term and Invest the Difference!

The phrase "BUY TERM AND INVEST THE DIFFERENCE" evolves around... Read More

Everyone Wants The Cheapest Automobile Insurance Quote

When you are looking for an automobile insurance quote, the... Read More

Free Money Saving Auto Insurance Tips

Our money saving auto insurance tips were written for one... Read More

The Immorality of Guarantee Issue Health Insurance

While there are genuine debates about whether privatized health insurance... Read More

Should You Have Higher Deductibles On Your Coverage?

What is a deductible? A deductible is the amount you... Read More

Car and Home Insurance Northern Ireland

Don't skimp on insurance. This probably doesn't sound like a... Read More