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:

Make gun owners get mandatory insurance
CNN International
Jeff Yang is a columnist for The Wall Street Journal Online and contributes frequently to radio shows, including Public Radio International's "The Takeaway" and WNYC's "The Brian Lehrer Show." He is the co-author of "I Am Jackie Chan: My Life in Action ...

and more »

Young Parents and Insurance
The point when most adults have the most need for life insurance is when they are parents and their children are young. Unfortunately, this is often a time when financial resources are already stretched. Unlike health insurance and house payments, life ...

and more »

Report: Fewer without insurance using hospital services
The Union Leader
“More than 41,000 low-income Granite State residents now have health insurance coverage and, therefore, access to routine, preventive care – the right care, at the right place, at the right time,” said NHHA President Steve Ahnen. “This reduces the ...

Cash-value insurance can be donated
J. Brendan Ryan is an East Walnut Hills-based insurance agent. Reach him at or 513-221-1454. Americans are a generous bunch. In 2014 we gave $358 billion to 1.5 million nonprofit organizations, more than two-thirds of that total ...

Universal American (UAM) to Sell Traditional Insurance Business in $43M+ Deal ...
Universal American (NYSE: UAM) announced that it has entered into a definitive agreement to sell its Traditional Insurance business to Nassau Reinsurance Group Holdings, L.P. (“Nassau”). Universal American's Traditional Insurance business includes its ...
Nassau Reinsurance Group to Acquire Traditional Insurance Business from ...Business Wire (press release)

all 7 news articles »


Why do people drop long-term care insurance?
Long-term care is a substantial financial risk for most retired households. Yet few buy long- term care insurance. And, among those who do, more than one third with policies at age 65 will let their policies lapse before death, forfeiting all benefits ...


Flood insurance not a priority for Pee Dee residents near waterways
FLORENCE, S.C. – Hundreds of homes and businesses across the Pee Dee suffered costly flood damages earlier this week, a majority of which are without flood insurance. Standard homeowners and renters insurance typically doesn't cover flood damage.
South Carolina swamped with flood insurance issuesInsurance Business America

all 84 news articles »

Sun Sentinel

Got insurance gripes? Consumer advocate coming to South Florida on Monday and ...
Sun Sentinel
Now's your chance to bring complaints about your insurance policy directly to Florida's new full-time insurance consumer advocate. Sha'Ron James will be in South Florida on Monday and Tuesday to listen to residents' concerns about insurance issues.

Facing backlash, Paterson school chief reversing decision on insurance
“The bottom line is that a lot of them already have insurance,” Pollak said. “In fact, everybody is required to have insurance.” Officials said that last year there were 42 claims filed for students under the medical coverage. Evans said he had ...

and more »

Unified completes sale of insurance operations
Supermarket News
Unified Grocers said Thursday it has completed the stock sale of its insurance operations to AmTrust Financial Services. The Los Angeles-based member-owned cooperative said it will use proceeds from the sale to reduce debt. It did not disclose the ...

and more »
Google News

Term Life Insurance on Your Business Partner

Life insurance is something we often take out to protect... Read More

Buy Life Insurance Online and Save

There are many ways to research and buy a life... Read More

Basic Coverage of Homeowner Insurance Policies

The insurance policy is a package that includes more than... Read More

MSA or HSA: Can I Keep My MSA Or Do I Need to Convert it into an HSA?

The Medical Savings Account (MSA) is an older form of... Read More

Term Life Insurance - Buy Term and Invest the Difference!

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

Car Insurance Monitoring for Discounted Insurance Rates - Privacy Devouring Monster Eating Us One Bi

For a price, would you let car insurer along for... Read More

Cheap Health Insurance Rates and Personal Health Insurance

If you've been out of school for a couple of... Read More

The Life Insurance Plan Online

Thank goodness the internet age has arrived helping us to... Read More

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

As you probably know all to well, the cost of... Read More

3 Important Moving Insurance Tips

Because of the many problems that can occur when you... Read More

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

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

Individual or Family Health Insurance Options

As more and more individuals working at home with or... Read More

Credit Card Insurance

A word of warning about Credit card repayment protection schemesThe... Read More

Health Insurance And Insurance Brokers

If you are in the market to purchase your own... Read More

How Much Renters Insurance Do I Need?

When obtaining renter's insurance it is important to put serious... Read More

How Many Homeowner Insurance Quotes Do I Need To Save Money?

Homeowner insurance quotes can vary in the amount they cost... Read More

Life Insurance Information

Life insurance is a personal insurance plan designed to pay... Read More

New Concepts in Car Insurance - Pay as You Drive

You can pay as you talk with a cell phone... Read More

Affordable Health Insurance - Health Insurance For The Self Employed

One of the things that is important to consider when... Read More

Filing Homeowners Insurance Claim Forms: What Steps to Take

Filing a homeowners insurance claim can be done with ease... Read More

Auto Insurance Primer

What is auto insurance? Auto insurance (or car insurance, motor... Read More

Photography Insurance-Insurance for the Photographer

Part and parcel of establishing your own photographic business is... Read More

Health Insurance Providers Online - Benefits to Applying Online

Health insurance providers are going online to find new customers.... Read More

Global Warming: Why Consumers and Insurers Are Getting Hot Under the Collar Over Life Insurance.

Global warming may have been lurking on our horizon for... Read More

10 Ways to Lower Your Auto Insurance

Nowadays, auto insurance is really expensive. A typical insurance policy... Read More