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Lack Of A Health Insurance Policy Invites Financial Disaster.
by Mark Walters
In 2003 health care spending rose four times the rate the inflation. The annual premium for an employer health plan covering a family of four averaged nearly $10,000. The cost of medical care continues to rise at the fastest rate in history.
Health insurance premiums will rise to an average of more than $14,500 for family coverage in 2006.
Surveys reveal that the number one reason many people have no coverage is because health insurance is too expensive. 23% percent of people who do have health insurance have had to drastically change their spending habits so that they could make the insurance payments.
Youve read about the rise in the number of bankruptcies. A study shows that the average medical debt of those who filed for bankruptcy is $12,000... And 50% of bankruptcy filings were partly the result of medical expenses. Every minute two people in the U.S. file for bankruptcy because of serious medical problems.
Research shows that even when one member of a family is uninsured and requires a hospital stay, or costly medical treatment, the medical bills can effect the financial position of the entire family as they try to help with costs. Government officials agree that health care costs must be controlled, but they continue to argue about how to do it. Some say it must be done with price controls and by imposing strict budgets on health care spending. Others cry for free market competition as the solution to the high cost of medical care.
An important step in the right direction would have all of us adopting healthy eating habits and lifestyles. We all would require less medical care and those costs would drop.
For individuals and families is vital that you have at least some form of health insurance policy. It may be sensible to keep your health insurance cost as low as possible by having coverage for only a catastrophic illness. The expense of most medical treatment can be paid for over time. It is the unexpected major, life threatening injuries and diseases that can wipe you out financially.
One thing is certain. To protect your financial future you must have at least some type of health insurance policy.
Health Care and Health Insurance Costs Can Be Controlled Through Lifestyle Choices
by: Michael Ertel
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.
About The Author
Michael Ertel is the founder of http://www.MedicalInsuranceNow.com
which is a website that assists individuals and small business owners
by providing side by side comparisons of health insurance alternatives.
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