With the increasing cost of healthcare, many people are looking for ways on how to reduce health insurance costs. Some people are thinking of not getting medical coverage. But without medical coverage, you may incur high medical expenses, when an emergency arises. The good thing is that if you have an active lifestyle and maintain an ideal weight, you can negotiate a lower monthly premium. And this is where intermittent fasting becomes helpful.
How to Reduce Health Insurance Costs Through IF?
The overall cost of health insurance will depend on several factors, like the type of insurance, your location, health condition, and age, among others.
Insurers will also evaluate how healthy and fit you are. If you are obese, though, then you might want to hit the gym. If you wish to lose weight without dieting, then you might want to try intermittent fasting. IF does not directly lower your health insurance costs. But it does help in making you healthier, which is necessary to lower health insurance premiums.
Health Insurance Companies Reward Active Individuals
Insurance companies reward healthy individuals. They do offer huge discounts on their health insurance premiums if you are following a healthy lifestyle. That’s why a lot of people are looking for ways on how to reduce health insurance costs.
When insurance companies determine your premium, they consider several factors, as mentioned earlier. And one of them is your health condition.
If you smoke, you are likely to develop cancer and other expensive diseases. And if you are obese, you are likely to have diabetes and osteoarthritis.
In other words, if you are unhealthy, you are likely to visit the hospital, take medications or go to your doctor’s office frequently.
And each time you are hospitalized or purchase medicine, you will use your policy. It means that your insurer will pay for your health benefits, thus, less revenue for them.
How to Reduce Health Insurance Costs by Living a Healthy Lifestyle?
Just because you smoke or are obese, does not mean that you must break your bank each month. There are many ways to help you secure lower health insurance premiums.
But the first thing that you must focus on is to start following a healthy diet and getting regular exercise. These two things can help you shed a lot of pounds.
They can also lower your cholesterol, maintain healthy blood pressure and a lot more. All of these benefits can help you on how to reduce health insurance costs, thereby, saving money on healthcare.
How to Reduce Health Insurance Costs with Healthy Diet?
It helps you prevent chronic diseases, like diabetes and cancer. You need to be eating a variety of healthful foods and consume less sugar.
Unfortunately, it can be difficult to follow a healthy diet plan, especially if you need to lose a lot of weight. There are plenty of methods to lose weight.
Your health insurance company will recommend some activities that you can do to help you shed some pounds.
Among the many methods of losing weight, you can try is intermittent fasting. You might have heard of it from various celebrities, like Gisele Bundchen, Jennifer Aniston, and a lot more.
It is not a fad diet because you are not actually dieting. Rather, it is an eating plan.
Intermittent fasting (IF) has various types. One of them is the 8/16 method. In here, you will be eating within an eight-hour window and fast for 16 hours. You can eat whatever you want as long as it is healthful.
Intermittent fasting is great at helping you lose weight and achieve a healthy body. IF is also beneficial in preventing cancer and neurologic diseases. This eating plan also impacts our gut microbiome that could boost overall metabolism and health.
During the fasting period, our body undergoes metabolic switching. That is it switches the use of glucose during the eating state and ketone bodies during the starvation period. The switch can help reduce inflammation.
Our body relies on glucose to give us energy. When we eat, our system digests glucose and store excess glucose as glycogen in the liver for a quick burst of energy.
But the other extra glucose will be stored as fats. During fasting periods where glucose is not immediately available, the body breaks down fats into free fatty acids.
They are further broken down into ketone bodies. Ketones are used by the heart and other organs during the fasting state.
Intermittent fasting is a time-restricted plan. It is easier to stick with it than going for daily calorie control. But both IF and daily calorie restriction can be effective in weight loss.
One of the reasons people do not like following intermittent fasting is that they feel hungry. It is true that you get hungry after a few hours of eating.
But it is normal. To fight that, you can drink more water. A low-calorie beverage, like Herbalife tea, may also suppress your hunger. Bone broth is also good.
Since you are losing electrolytes during fasting, you may drink the sea salt solution. Simply add 1/2 teaspoon of sea salt in a glass of water. Drink it while you are in the fasting state.
IF is only difficult during the first few days. But once your body adapts to your eating plan, you can easily forget about feeling hungry. As mentioned, you just need to drink a lot of water.
Laboratory Results and Intermittent Fasting
Once you are following the right intermittent fasting plan for you, your laboratory results are likely to return normal, which is vital.
Keep in mind that health insurance companies require their clients to undergo lab testing. The lab results will be submitted to in-network physicians. The physicians will then determine your health status.
Intermittent Fasting and Health Insurance Premiums
Intermittent fasting does not directly affect your health insurance cost.
If you do it right, it can help you achieve a healthy body. You will lose weight. When you lose weight, you are reducing your risk of developing life-threatening medical conditions.
Health insurance companies will determine how healthy you are by requiring you to undergo a series of lab examinations and consultations.
If you are not risky to be insured, they are likely to give you lower health insurance premiums. However, if you are obese and a smoker, then expect to pay a high monthly rate. That’s just the way it is.
Of course, there are other factors, besides your health status, your health insurance will look into to determine your overall health insurance cost.
Your age is one of them. Since you cannot change it, you can evaluate other factors that you have control with and change them. That is, you must stop smoking if you smoke. And if you are obese, you should lose weight.
If you are struggling to lose weight, you should consider intermittent fasting. Lowering your health insurance cost with intermittent fasting is truly possible, as long as you do it right. Thus, in a way, IF can be the key on how to reduce your health insurance costs. But it still depends on your situation. If you do want to start IF, make sure to consult your physician first, especially if you have diabetes.