Lifestyle Choices can control Health Insurance Costs

As you probably know all too well, the cost of healthcare and health insurance premiums continue to increase . The reasons for this increase ( at levels substantially above the general inflation rate ), 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.

Individual consumers, 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. 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, you must consider practical ways to promote a healthy lifestyle for you and your family. Some health insurance companies have 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 only once a week. You will enjoy it more and your body will thank you.