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As you probably know all too well the cost of healthcare and health insurance continue to rise at a level well above the general inflation rate. The reasons for these extraordinary cost increases are numerous and include: technological advancements in the medical field, increased demand medical services and drugs, the aging of the population, the costs resulting from the relocation of the uninsured and governmental reimbursement rates, state and federal mandates and costs associated with medical related lawsuits.

As individual consumers, we have very little control over some of the factors that contribute to the costs of healthcare. All of us have control over lifestyle related health insurance claims. A simple formula of eating a balanced diet to ensure the proper amount of daily exercise, participation in annual physical and other recommended routine care, limiting alcohol consumption and the elimination of the use of tobacco products are without doubt our personal costs of medical care. Besides reducing costs for health care, the other benefits of following such a formula, more energy, self-confidence, less stress, and increased productivity. If you do not have to do, we suggest practical ways to promote a healthy lifestyle for you and your family. For example, an individual health insurance with my organization has an option to offset 25% of the annual cost for a health club membership. Simple things like walking, cycling, swimming or promote a healthy body and mind. If you have a sweet tooth, check the limit on eating desert once a week. Enjoy it and your body will thank you.

Health insurance premiums continue to rise while the cost of health care to go further. The best way to reduce the overall cost of health care is to meet our demand for healthcare. Healthy lifestyle choices and prudent use of health care are the best and easiest ways to build a handle on our healthcare spending. Perhaps the greatest benefit of a healthy lifestyle is our ability to enjoy our precious time here on earth to bear.

Michael Ertel is the President of Ertel & Company, Inc. and has over 15 years experience in health insurance. He is the founder of MedicalInsuranceNow.com, an Internet-based service that helps individuals, families and small businesses, the owners side by side comparisons of health insurance alternatives and the convenience of applying for health insurance online.