Health Insurance and Sedentary Individuals
If you lead an inactive lifestyle, finding an affordable health insurance plan that suits your needs can be a difficult process. Most health insurance providers will demand higher premiums due to the increased risk of insuring someone who is not in optimal health. If you do not get regular exercise, you have an increased risk of becoming obese and suffering from obesity related diseases.
Health Risks Inactive People Face
If you have a Body Mass Index of more than 30, you are at risk for:
- Heart Disease
- Stroke
- Type 2 Diabetes
- Cancer
- Fatty Liver Disease
- Obstructive Sleep Apnea
- Chronic Venous Insufficiency
To calculate your Body Mass Index: Your weight (lbs) x 704.5 / Your height (inches) x Your height (inches).
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Steps to Better Health
If you are worried that your inactive lifestyle may lead to higher health insurance premiums and health risks, there are steps you can take to make sure that you remain both healthy and financially stable:
- Start an Exercise Program: Exercise doesn't have to mean spending an hour on a treadmill everyday. Find an activity that you enjoy doing and set aside a few hours every week for it.
- Get Regular Check-ups: Make sure that you visit your doctor regularly. Many of the diseases associated with an inactive lifestyle can be treated more easily if they are diagnosed early on.
- Stick to a Healthy Diet: Make sure that you are eating right every day. Don't overeat, and stay away from fatty foods.
- Get a Health Plan With Less Options and Lower Premiums: The more freedom of choice in doctors and hospitals a health plan offers, the more expensive it is. If you are on a budget, consider choosing an HMO. These organizations will offer you a limited choice of physicians and hospitals, but are much more cost-efficient.
By making smart choices about your lifestyle and your health insurance, you can keep your health costs down to a manageable level.
Get a health insurance quote today!
Last Updated : Monday, November 3, 2008