It’s no secret that the cost of health insurance has got out of hand. While politicians have done nothing to help the situation. However, all is not lost as there is something you can do to save money on insurance – living healthy.
Now, this isn’t about not getting sick. Let’s face it, we all feel under the weather from time-to-time. Instead, it’s about paying attention to the fuel you put in your body and by making sure you exercise regularly. Combined, they can have a big impact on your life and your bank account. So, without further ado, here is how living healthy can save you money on insurance.
You Are What You Eat
You know, there is some truth to this saying. After all, eating is how we help our bodies to feel good. Just look at the documentary ‘Supersize Me’ and you can see what happens to our bodies when all we do is eat fast food.
It’s not like you are going to cut French fries out of your diet completely – they taste too good. But the point is that you should eat these fatty, unhealthy foods in moderation. Instead, the focus should be on eating a healthy, well-balanced diet with plenty of fruits, vegetables, and unprocessed foods.
Doing so will help to supercharge your health as it will fill you with the nutrients you need to be healthy – not the empty calories found in processed foods. And importantly, for your bank account, it will help you save money on insurance.
Per the U.S. Centers for Disease Control and Prevention (CDC), obesity-related conditions cost the U.S. health system nearly $150 billion per year. This is a significant sum and it adds to the cost everyone pays for both health and life insurance.
Looking at the specifics, it costs 40% more to treat an obese person than someone who is of normal weight and as you can expect in a for-profit healthcare model, the insurers pass this on to the policyholders.
In the case of employer-sponsored health insurance, the increased costs make it harder for companies to hire more people or to raise salaries. So, you can see this one issue has a big impact on the lives of just about everyone you know.
If living a healthy life was not enough incentive, current legislation governing health insurance promotes wellness initiatives – some of which can save you hundreds of dollars per month. This is especially true for people who meet certain goals as some insurers will refund more than one-third of your premium.
Beyond this, eating healthy will help you to be healthy and this means that you will not have to deal with the nagging issues plaguing others. Granted, this is not a panacea. Some of us live in food deserts, while others are done in by genetics. But for most of us, eating healthy is one of the best ways to make your body is in great shape.
Another element to living healthy is getting regular exercise. The reason for this is simple, staying active will strengthen muscles and will keep you in a better mental state. So, if you are living in Denver and ride your bike to work, you could save on Denver Health Insurance from DC Insurers or other providers.
However, you do want to remember that too much of a good thing can be harmful. This is true for people who have played rugby for 30-years and now can barely walk or for long-distance runners who don’t listen to their bodies. As such, the key to get moving is to find a comfortable routine which keeps you active without putting your health in danger.
For those who exercise regularly, you want to check with your insurers to see if they offer any discounts. If your current insurer doesn’t then you want to reach out to those who do.
By the way, this extends beyond your health insurance to your life insurance and any other policy that might be applicable – i.e. long-term care, supplemental insurance, etc. Doing so will help you reap the financial benefit of your healthy lifestyle and this is a good thing.
There is little argument among doctors and nutritionists that eating the right foods and being active is good for your health. However, these good habits can also help you to save money. So, what are you waiting for? Talk to your insurers and find out what discounts they give for leading a healthy life.