The cost of health insurance is always on the rise. In the coming years, it will get worse before it gets better, as politicians cannot find a common ground. Health insurance companies need to make changes to serve their customers, including increasing deductibles and co-payments, and limiting coverage on some diagnostic tests. To fight rising costs, we need to stick with the basics, and stay healthy. Here’s how staying healthy can help you obtain low cost health insurance:
Get in shape
Getting in shape is a great way to help reduce health care costs. The great thing is, you don’t necessarily have to do rigorous exercises to reap the rewards. A simple exercise like walking regularly for thirty minutes each day can help control or reduce obesity, diabetes, osteoporosis, kidney stones, and cardiovascular diseases. When you suffer from such diseases, you may need to see your doctor more often and each visit can cost an additional $20 to $40 out of pocket for routine medical checkups. Diseases that need to be monitored frequently can add to your financial woes. According to the Mayo Clinic, regular exercise helps control weight, lower blood pressure, and increase good cholesterol. These benefits will promote better health, hopefully eliminating avoidable doctor visits.
Eat a healthy diet
Healthy eating has great benefits. Having a poor diet can cause problems which will eventually require us to seek pharmaceutical intervention. The cost of medicine has been rising over the years and this increase is passed on to the consumers. Patients who require several medications a day are affected the most by this increase.
A good diet promotes better health. It helps regulate blood pressure, lower bad cholesterol, and improve the body’s overall function. With the rising costs of medicines, reducing or eliminating the need for prescription drugs is a great way of saving money.
Several health insurers use their customer’s Body Mass Index (BMI) to calculate premium rates. Having a higher BMI means you are overweight and insurers will charge more for your premiums. Furthermore, morbidly obese individuals can have their applications denied.
Managing your weight is your best option to get health coverage at a reasonable price. Being overweight can bring health premiums up, but you can definitely do something about it. By lowering your BMI, health insurance companies will offer better rates as health risks are reduced. Doing this will also ensure you affordable life insurance; so you kill two birds with one stone so to speak.
Several studies have confirmed that smokers have greater health risks compared to non smokers. Therefore, they should pay higher premiums for the same policies. Smokers can sometimes pay twice as much for premiums compared to nonsmokers and some employers will charge smokers more for group health plans.
When you quit smoking, your premiums can be reduced by a significant amount; and considering tobacco-related illness like emphysema, chronic bronchitis, and several forms of cancer, the money you save is not the only benefit you’ll get when you quit smoking.
There’s not much we can do about the rising health insurance costs. Having a healthy lifestyle may be our best option to help reduce our need for healthcare. It may be very difficult to start living a healthy life, but it will be worth the effort when we don’t have to pay thousands of dollars for health services and medications.