Health Insurance Quotes Go Down When You Shape Up

Health insurance premiums reflect lower costs for the vitally healthy. End Quote

Health insurance agents like people who exercise; working out significantly reduces chances of future health problems.

Chicago, IL (1888PressRelease) July 15, 2009 - These days, it’s hard to hold onto a job—and even harder to hold onto healthcare coverage.

Companies are struggling to make ends meet, to keep bankruptcy at bay. And to do that, there are job cuts. Millions of Americans are unemployed in one of the worst recessions in decades. The current unemployment rate is 8.5 percent, according to the United States Department of Labor. And because most Americans get healthcare coverage through an employer-sponsored group health insurance plan, for every percent, more than one million Americans are without health insurance coverage. And because of the expensive costs of medical care, health insurance premiums are relatively unaffordable.

So whether you’re group plan is becoming too costly or you’re in a situation where you need to find an individual health insurance plan, the goal is the same: to get the most coverage for the best price. But what can you do to lower the price of your individual health insurance premium?

Change your lifestyle, for one. According to a recent article on Insuranceagents.com, making simple adjustments to your day-to-day lifestyle can save you money on your health insurance premium. And you don’t need to spend hundreds of dollars at the gym a year to do it.

Policyholders are recommended to go to sleep early (to boost strength and energy), always eat breakfast, reduce snacks, take vitamins, cut or reduce smoking and drinking, monitor their weight, and exercise regularly.

“[Exercise] is key. Health insurance agents like people who exercise; working out significantly reduces chances of future health problems,” according to the article, ‘Staying Fit Saves Money on Health Insurance.’ “Many health insurance carriers will boost your health insurance premium by 10 or 20 percent if you’re even slightly overweight.”

Staying fit will not only potentially help you live longer (and make you feel stronger and younger!) but will also save you money. It’s a win-win situation. And according to the Insuranceagents.com, living an unhealthy lifestyle may be more than you can afford.

“Overweight people spend more on health insurance on average, more than smokers and drinkers. Furthermore, obesity is the second highest cause of death in the U.S. and the Surgeon General estimates obesity leads to 300,000 deaths per year,” according to the Insuranceagents.com article. “Losing weight could save you up to several hundred dollars a year in health insurance and medical coverage.”

Just remember: You may be trying to make ends meet by sticking with the only most basic of necessities and are cutting costs elsewhere. Statistics show that oftentimes, insurance is the first “luxury” to be cut. Big mistake. Insurance, especially health insurance, is right up there with the necessary bills—mortgage, utilities, food, etc.—because it saves you potentially thousands, maybe even millions of dollars in the long run. You don’t need to cut your health insurance policies to save money; it’s just a matter of finding ways to reduce the price of your health insurance.

For more information, visit InsuranceAgents.com.

http://www.insuranceagents.com/health-insurance/stay-fit.html

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