The Importance of Health Insurance and Staying Fit

June 16, 2009

The Importance of Health Insurance and Staying Fit

Maintaining a healthy and physically lifestyle is an important part of maintaining good health. Incorporate healthy living in your daily routine not only will make you look good, but feel good as well. Many people do not realize that maintaining a fit lifestyle can lower their health insurance premiums, and thereby provide them with much more affordable health insurance.

One important measure that health insurance providers base their premiums on is a person’s health status. The general rule is: The less fit one is, the higher the health premiums. Although it may be somewhat time consuming to embrace a healthy lifestyle, it can actually save you money on your health insurance.

Overweight people tend to have the highest insurance premiums. Obesity is the second leading cause of death in the U.S. The Surgeon General estimates that “obesity leads to 300,000 deaths per year.” Health insurance premiums tend increase as your Body Mass Index increases. If you stay within about 10 pound of the recommended weight for your specific size and height, your health premiums will not increase.

If you smoke and drink a lot, you are at risk of a acquiring a number of health conditions that will require the services of a health professional. Health insurance providers take this into consideration and will raise premiums for smokers and excessive drinkers.

A poor diet can also decrease your quality of health and therefore affects your health premium. Foods that are high in bad fat, calories, and sugar, can lead to such conditions as diabetes. A diet that is low in unhealthy foods can help minimize the risk of certain health problems.

The healthier you are, the less expensive your health insurance will be. If you want to acquire affordable health insurance, take the time to invest in your health with such activities as exercising, going to the gym, eating well balanced meals, not smoking, reducing your alcohol intake, and getting the appropriate sleep. The money you save on health insurance costs will most likely cover any costs associated with implementing a fitness program. When you embrace good health, your body, mind, and wallet will appreciate the change. The personal benefit to you is a long, happy, and healthy life.


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