Home » Finance

5 Things You Can Do to Lower Your Health Insurance Costs

Christine O'Kelly
Dec 11, 2007
According to the most recent Census Bureau survey results, 45.8 million Americans do not have health insurance! Of those, 60% of people have full time jobs and 3.5 million of those people earn more than $75,000 per year. Many people who do not have access to group health insurance plans, such as the self employed, are taking their chances without insurance because they fear the high cost of personal health insurance plan costs.

While health insurance is an added expense, the cost of just one major injury can far exceed the cost of any annual health care plan.

Health insurance doesn't need to be ridiculously expensive. Being self employed, I faced the same dilemma when I sought out a personal health insurance plan. To find out how I could save money, I interviewed insurance agents to find out what steps I could take to reduce my monthly health insurance costs.

In this article, we'll look at 5 simple things that everyone can do to dramatically lower their health care costs.

Maintain a Healthy Weight

Keeping your weight within an average range for your age and height can help you qualify for the best health insurance rates. Being morbidly obese can cause health insurance rates to increase by 7 times the quoted rate.

Don't Use Tobacco

Tobacco use of any kind, including chewing tobacco can increase your health insurance rates by 30%! The fact that tobacco use causes such a significant increase is a testament to its inherent health risks. Not only will quitting smoking or using chewing tobacco improve your health drastically, it's an instant way to reduce your health care costs.

Control Type II Diabetes

Those with Type II Diabetes automatically receive a 30% increase - and that is with a healthy A1C. Those with an unhealthy A1C often pay even more. In a majority of cases, controlling weight and eating right can eliminate Type II diabetes.

Find Natural Ways to De-Stress

Dependence on anti-depressants and anti-stress medications are automatic health insurance rate increases. Stress related illnesses are one of the driving factors of health care costs. Instead, try exploring natural ways to reduce stress and anxiety such as lifestyle changes, yoga, and meditation.

Lower Cholesterol

Risk factors of heart disease such as high cholesterol can significantly increases rates. Exercise, healthy eating, and monitoring your cholesterol can help you to reduce your risk of heart disease.
About the Author
Christine O'Kelly is an author for NC Health Insurance agency IBD Insurance Services, an authorized agency for BCBSNC. The company is passionate about its goal to provide individuals and businesses with the most options for affordable health care in NC.
Rating:
Please Rate:
(Average: Not rated)
Views: 154
Print Email Report Share
Article Categories
    • Artists
    • Gambling
    • Humanities
    • Humor
    • Movies
    • Music
    • Photography
    • Tattoos
    • Television
    • Classic Cars
    • Motorcycles
    • Recreational Vehicles
    • SUVs
    • Trucks
    • Vans
    • Branding
    • Business Opportunities
    • Careers and Jobs
    • Corporate
    • Customer Service
    • Direct Mail
    • Entrepreneurship
    • Ethics
    • Financing
    • Franchising
    • Home-Based Business
    • Human Resources
    • Import and Export
    • Leadership
    • Management
    • Market Research
    • Marketing and Advertising
    • Negotiation
    • Network Marketing
    • Networking
    • Organizational
    • Presentation
    • Project Management
    • Public Relations
    • Small Business
    • Strategic Planning
    • Team Building
    • Telemarketing
    • Training
    • Data Recovery
    • Databases
    • Games
    • Hardware
    • Networks
    • Operating Systems
    • Programming
    • Security
    • Software
    • Spyware and Viruses
    • Ask an Expert
    • College and University
    • Home Schooling
    • K-12
    • Languages
    • Online Education
    • Psychology
    • Coffee
    • Cooking
    • Gourmet
    • Recipes
    • Wine and Spirits
    • Acne
    • Aerobics
    • Alternative Medicine
    • Beauty
    • Cancer
    • Cosmetics
    • Depression
    • Diabetes
    • Diseases and Conditions
    • Fitness Equipment
    • Fitness
    • Hair Loss
    • Heart Disease
    • Medicine
    • Men's Health
    • Muscle Building
    • Nutrition
    • Skin Care
    • Supplements and Vitamins
    • Weight Loss
    • Women's Health
    • Yoga
    • Arts and Crafts
    • Babies
    • Collecting
    • Elderly Care
    • Genealogy
    • Hobbies
    • Parenting
    • Pets
    • Pregnancy
    • Woodworking
    • Feng Shui
    • Gardening
    • Home Appliances
    • Home Security
    • Interior Design
    • Landscaping
    • Affiliate Programs
    • Article Marketing
    • Auctions
    • Audio
    • Banner Advertising
    • Blogging
    • Broadband
    • Domain Names
    • E-Books
    • E-Commerce
    • Email Marketing
    • Ezines and Newsletters
    • Forums
    • Internet Marketing
    • Link Popularity
    • Pay-Per-Click
    • Podcasting
    • RSS
    • Search Engine Marketing
    • Search Engine Optimization
    • Security
    • Social Media
    • Spam
    • Video
    • Viral Marketing
    • Web Design
    • Web Development
    • Web Hosting
    • Copyright
    • Cyber Law
    • Intellectual Property
    • National, State, Local
    • Patents
    • Regulatory Compliance
    • Trademarks
    • Buying
    • Selling
    • Baseball
    • Basketball
    • Boating
    • Cycling
    • Extreme Sports
    • Fishing
    • Football
    • Golf
    • Hockey
    • Hunting
    • Martial Arts
    • Running
    • Scuba Diving
    • Soccer
    • Swimming
    • Tennis
    • Dating
    • Divorce
    • Marriage
    • Weddings
    • Astrology
    • Buddhism
    • Christianity
    • Faith
    • Hinduism
    • Islam
    • Judaism
    • Meditation
    • Metaphysical
    • New Age
    • Cable and Satellite TV
    • Cell Phones
    • Communication
    • Gadgets and Gizmos
    • GPS
    • Satellite Radio
    • Video Conferencing
    • VoIP
    • Addictions
    • Coaching
    • Goal Setting
    • Motivational
    • Stress Management
    • Time Management
    • Clothing
    • Electronics
    • Fashion
    • Gifts
    • Jewelry
    • Causes and Organizations
    • Environment
    • History
    • Holidays
    • Men's Issues
    • Nature
    • Philosophy
    • Politics
    • Women's Issues
    • World Affairs
    • Air Travel
    • Camping
    • Cruises
    • Destinations
    • Outdoors
    • Article Writing
    • Book Reviews
    • Copywriting
    • Fiction
    • Non-Fiction
    • Poetry
    • Quotes
    • Screenplay
    • Tools and Resources