Live Better and Save More on Your Health Insurance

It's bad enough that most of us have habits that will (at least eventually) limit our health and well-being, but the fact is, those bad habits can raise our health insurance quotes past the ceiling right now too. With the rising cost of health care, medications, and insurance, it isn’t at all surprising that people are trying to figure out ways to avoid getting sick in the first place.

It gets better though. Choosing a better lifestyle will lower insurance costs. If you don't believe it, fill out one application for a free quote as if you were not a smoker, and fill out another application at the same company as if you were still smoking and just look at the hefty chunk of change spilling out of your hands like your piggy bank had been hit with a ten pound sledge hammer.

Some people find that pet insurance can help them in many situations, since if you buy pet insurance then in case of an emergency you can let the pet insurance take care of the problem for you; all you have to do is pay a regular payment for your pet health insurance which is more easily budgeted than an accident.

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Small changes can make a world of difference when it comes to your health. That means there is actually quite a bit you can do to help save some cash. It is just a matter of tweaking your lifestyle choices and preventing health issues from arising and pumping that old immune system up so you just don’t get as sick as often. For those people who are seriously sick of high medical premiums and paying out the nose year round for doctor’s visits and medications, this should be a great thing.

1) Stop smoking is the biggest one. Not only do you get sicker than the average person, it is worse. Many smokers are treated for several bouts of bronchitis and pneumonia each year. Smoking also makes you susceptible to colds and other infection. You will also pay a higher premium on your insurance and in some cases won’t get covered in full for cigarette related illnesses or diseases. Plus the money you save from quitting can go to bigger and better things than your medical issues.

2) You will want to avoid excessive alcohol use because insurance companies believe it lowers the immune system. People who consume more than 3-4 alcoholic beverages in a week are at far greatest risk of catching a viral or bacterial infection. Even if you do most of your drinking at home where you are safe from others germs, you still are very susceptible. Once the immune system has lowered its defenses you are at risk anywhere you have to go and even in your home if you live with others who leave the house. Drinking excess alcohol can also lead to other very expensive health issues, such as liver disease or even alcoholism. To be diagnosed and treated for chronic liver problems can and does cost deep in the pocket when it first strikes. Don't forget, once you have been diagnosed with any kind of a major medical problem, getting medical insurance with another company will be very hard and costly for that pre-existing condition. It is almost inevitable that your current insurance premiums could rise now that you have a chronic condition.

3) You will want to focus on a healthy and nutritious diet to maintain your body’s strength and vitality. The type of foods you put in your mouth can be the difference between life and death in some cases. Eating right and getting all the nutrients and vitamins can severely reduce the risk of many diseases. Cutting out fatty, fried foods can keep your heart and circulatory system strong and healthy, and lower your risk of a heart attack and/or stroke. Many vitamins and minerals found in more basic foods also promote a strong immune system, which can help keep you infection free longer. Just adding more zinc to your diet can help boost your immune system enough to prevent catching cold or flu.

4) You will want to get plenty of exercise. The better tone and condition your body is in the less likely you are to get sick or have weight related health issues. It is very important to get exercise to keep your body happy and healthy, and prevent your money from going to undesired medical treatments. Regular and consistent exercise can help prevent heart related health problems later on in life. It promotes a better circulatory system and stronger heart muscle. Exercise also promotes better oxygen intake, which helps the lungs become more efficient. Also increased oxygen aids in better metabolism and can keep weight in check and reduce other illnesses like asthma and diabetes.

5) Make sure you have time or make time for rest and relaxation. It is important to enjoy life and do things that ease tension and promote happiness. Don't forget, staying healthy also includes staying happy. Reduce your stress, get plenty of sleep each night, and set aside avenues of pleasant leisure time. Proper rest and fun can cut down the risk of developing mental issues such as depression or anxiety that can cost much money in treatment and control of the disorder. Having that balance in your life can really promote great mental health and clarity. Being burnt out or stressed out is associated with many disorders such as depression, anxiety, ulcers and other stomach issues, headaches, and insomnia. Keeping all these ailments at arm's length will save you tons of money on doctor visits, tests, treatments and high insurance premiums.

Bank with the Best of Them * Hospitals can kill you * Olive Oil can save your life * Drink Live Fruit Juice and Live * Put a cactus inside a balloon * Learn to Deal with Your Pain * Reselling for Profit * Expedite your shipping process * Stop Your Snacking in its tracks

About the Author: Independently less than wealthy, Lin Stone writes how to articles for the trade. If you have liked this article you'll love his other career ideas found at http://www.talewins.com/workathome.htm In his spare time Lin writes about the Three H-s: horses, humor and health. His first book, HOW TO BUY LAND AT TAX SALES, is so good it is still selling. Lin writes stories for Share Your State, and for Protect Yourself.

No information contained on this site should be used as a substitute for the advice of an appropriately qualified and licensed professional in that particular field.