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:

Plane and Airport Incidents Could Raise Aircraft-Insurance Rates
Wall Street Journal
Aircraft operators and insurers tend to renew the bulk of their aviation insurance contracts in the final quarter of the calendar years, and a string of attacks have many predicting a steep rise in rates, following years of relatively low premiums. Low ...

and more »

Insurance battle: Should scooters be insured?
WDIV Detroit

Surprise! Large Insurance Companies Are Raking In Cash, Thanks To Obamacare
Daily Caller
Top health insurer Aetna reported boosted profits in the second quarter since Obamacare has been in effect as large insurance companies continue to win big from the health-care law. Aetna's earnings rose 2 percent to $548.8 million this quarter ...

and more »


10 Times You Can Sign Up for Obamacare
If you want health insurance under the Affordable Care Act (also known as Obamacare) but didn't get it when it first became available, does that mean you're blocked from buying it for another year? And if you bought insurance but your circumstances ...
Health insurance renewals face challengeYakima Herald-Republic
Pitfalls emerge in health insurance renewalsMankato Free Press

all 112 news articles »

Employer Health Insurance: A Bargain Compared to Government-Sponsored ...
Encouraging the expansion of employer-sponsored insurance would therefore seem to be more cost-effective than handing out government coverage to more people. Naturally, Obamacare is choosing to follow the latter path — by inflating Medicaid's rolls ...

The Newest Kind of 'Insurance' the White House Is Promoting — and It Involves ...
“Climate policy can be thought of as 'climate insurance' taken out against the most severe and irreversible potential consequences of climate change,” the report said. “Events such as the rapid melting of ice sheets and the consequent increase of ...

and more »


VA inspector says Alabama doctor's acts may be insurance fraud
WASHINGTON – By copying old information into patient records, a pulmonologist at the Montgomery, Ala., veterans hospital may have committed insurance fraud, according to an internal VA report on the case. The Department of Veterans Affairs own medical ...

and more »

Berkshire unit adds another line of insurance
Omaha World-Herald
The expansion into liability insurance for companies that sponsor workplace benefit plans covered by the Employee Retirement Income Security Act of 1974 and the people who make decisions about them is the third new business line for Berkshire Hathaway ...

and more »

Wall Street Journal

QBE Insurance Slumps on Profit Warning
Wall Street Journal
In a regulatory filing, QBE said its earnings likely fell to about A$390 million in the six months through June from A$477 million a year earlier, while forecasting its first-half insurance profit margin of 7%-8% was below analysts' consensus forecasts ...

Quick Slants: Insurance is the best policy
The Gazette: Eastern Iowa Breaking News and Headlines
After an all-Big Ten 2013, he was a possible first-round NFL draft pick. He announced before Iowa's Outback Bowl game that he would return for his senior season at Iowa. Yes, the senior offensive tackle passed up NFL money because he loves Iowa City ...

and more »
Google News

Cheap Car Insurance ? 7 Tips To Reduce Your Car Insurance Costs

With the cost of car insurance becoming more and more... Read More

Online Insurance: The End of the High Street Broker?

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

Are You Sure That Heirloom Oriental Rug From Your Aunt Hilda Is Really Insured?

Gone are the days of the cinder block and wood... Read More

5 Steps To Cheap Car Insurance Premiums

Although car insurance is compulsory, it's not necessary to pay... Read More

Health Insurance, What Does It Mean?

Your health insurance policy is an agreement between you and... Read More

Cheap Health Insurance Rates and Personal Health Insurance

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

Medical Bankrupticies: What You Can Do To Protect Yourself

First the bad news: about 2,000,000 personal bankruptcies each year... Read More

Why Dont Women Have Life Insurance?

Traditionally, life insurance companies solicited men as the main breadwinners... Read More

Six Ways to Cut the Cost of Your Auto Insurance

Is your auto insurance bill $12000 a year or even... Read More

Entrepreneurs, Fill in the Gaps of Your Homeowners Policy

Business Owners Policies for the Self-EmployedWho needs a business owner's... Read More

Senior Health Care Insurance

Health Insurance For Seniors On The NetWhen a good friend... Read More

Insurance in Northern Ireland: Historic Difficulties

No doubt most readers will have heard of the Northern... Read More

Health Insurance Options for Entrepreneurs

One of the most important benefits employed people enjoy is... Read More

Discount Insurance - Get Affordable Coverage For All Your Insurance Needs

Insurance is an important part of our lives. If you... Read More

Finding Life Insurance Quotes For Adult Children

Shopping for life insurance quotes for adult children isn't any... Read More

Medical Bills - Evaluating Your Personal Injury Insurance Claim

The value of a personal injury claim has a direct... Read More

Insurance: A Necessity for Peace of Mind

There are many choices for insurance. Insurance is a policy... Read More

Long-Term Care Insurance: Eldercare Solution

When I suddenly had to become a fulltime caregiver to... Read More

Disaster Decision - Do You Need Insurance?

The expenses involved with owning a home can be overwhelming... Read More

Car Insurance Gearing up to Drive Down Costs

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

Insurance and The Engineer

The world is no longer right when the two words,... Read More

Cheap Term Life Insurance is Available Everywhere

Cheap term life insurance is easier to get than most... Read More

Are You Running the Risk of an Uninsured Business? Beware & Get Business Insurance

Human life is precarious and so are the activities they... Read More

Compare Car Insurance Companies Before You Commit

If you want to save money on your car insurance,... Read More

Term Life Insurance - Buy Term and Invest the Difference!

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