10 Ways to Lower Your Health Insurance Premiums
Did you know that healthier policyholders, on average, have lower health insurance premiums? It’s a fact, and here are 10 healthy lifestyle changes that will make you feel better and may just put money back in your pocket!
1. Get a Flu Shot
‘Tis the cold and flu season and, if you haven’t gotten a flu shot, stop being such a chicken and roll up your sleeve! Did you know that new research suggests that flu vaccines may help ward off cardiac illnesses? And many health insurance policies cover the cost.
2. Eat Pumpkin Seeds
Do you throw away the “goop” and seeds from your kids jack-o-lanterns? Might want to re-think that, because pumpkin seeds are considered a super food! They’ve been shown to prevent depression, block enlargement of the prostate gland and lowers the risk of bladder stones.
3. Quit Smoking
If you’re still a smoker, it’s really time to kick the habit. Smoking is not only unhealthy and linked to scores of related illnesses and terminal diseases, it hits your wallet … HARD! Did you know that smokers typically pay 15-20% more for health insurance even under the Affordable Care Act? The good news is there are plenty of new medicines and approaches to help you kick the habit.
4. Have Another Cup of Coffee
Coffee is as American as apple pie, and there’s mounting medical evidence that it has a positive impact on your overall health. One recent study reported that drinking 3 cups of coffee per day might lower your risk of liver cancer by 50%! That’s the kind of “health insurance” that’ll pep you up!
5. Add Fish Oil to Your Diet
Did you know that research has shown that the OMEGA-3 fatty acids in fish oil can improve your heart health, aid in losing weight, boost your immunity and can even sharpen your vision? All true, and that’s just for starters!
6. Start Walking
Any doctor will tell you that moderate exercise is critical to maintaining good health. But that doesn’t mean you have to train for a 5K or ride your bike 50 miles a day in spandex shorts to see the benefits of exercising. Just start walking! With your first step, you’ll be preventing Type 2 diabetes, strengthening your heart, elevating your mood and, if you’re a woman, walking can help lower your risk of breast and colon cancer. [VIDEO]
7. Eat Chocolate
Yup, you read that right! Americans eat an average of 12 pounds of chocolate each year, but most of it’s not the right chocolate. To get the benefits from this super food, you need to eat dark varieties that have 50% or better levels of Cacao, the magic ingredient. Research has shown that eating small amounts of dark chocolate that are rich in Cacao can actually reduce your risk of stroke by 30%! Who knew “health insurance” could be so delicious! [VIDEO]
8. Shed Those Extra Pounds
Most of us could lose a few pounds. A good way to start is by simply looking at your plate. What should be on it? Just listen to this song from the nurses at the Duke School of Medicine or, if that doesn’t float your boat, visit ChoosemyPlate.gov.
Did you know that 8 of 10 Americans say that they’re stressed out? Stress is no laughing matter from a medical perspective. It’s linked to increased risk of heart attack, lowers your immunity to certain diseases, causes headache and muscle aches, disrupts normal sleep patterns and in a recent study, mid-life stress may increase the onset of Alzheimer’s disease in women by 20%. The good news is there are plenty of ways to remove stress from your life, especially at work.
10. Drink Water
It goes without saying that getting enough water is critical to good health. With each glass, you’re maintaining normal fluid levels in your body, while, at the same time, helping your kidneys and bowels, energizing your muscles and keeping your skin looking healthy. If drinking H20 isn’t your thing, eat more fruits and vegetables. They’re loaded with water!
Of course, before you start exploring any of these tips be sure to consult with your doctor, especially if you plan to start exercising or changing your diet. Everyone is different and only your doctor can tell you what makes sense for your age, lifestyle and current health conditions.
Remember the very best “health insurance” is the kind that you practice every day!