Diet, Health Care - It's Up To You

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Why is your diet and health plan important?...and I'm not talking about your insurance, but your own personal plan to stay healthy - your diet, exercise, and lifestyle habits. Here's an interesting look at the history of health care -- (WSJ)

Not many people are buying cars built 60 years ago. No one is watching TV on a set manufactured in the 1940s. Patients are not lining up to see a doctor who hasn't cracked a book since before the polio vaccine was discovered. Why, then, do millions of Americans get their health care through an employer-based system from the 1940s?

Employers didn't start offering health benefits roughly 60 years ago because they were experts in medical decisions. It was a way of circumventing the World War II wage and price controls. Barred from offering higher salaries to attract workers, employers offered health insurance instead. Aided by an IRS ruling that said workers who received health benefits did not have to pay income taxes on them, and by the fact that employers could write off the cost of the health benefits as a business related expense, this accidental arrangement became the primary way most Americans access health care.

The report goes on...

Today, health-care costs are increasing at twice the rate of inflation. To stay in the black, companies are forced to raise their employees' premiums and deductibles, opt for cheaper insurance plans, or worse yet, drop health benefits altogether. Since 2000, the percentage of employers providing health insurance has declined by nearly 10%.

For too many, the employer-based system is inefficient. Each employer purchases health insurance separately. According to a recent estimate by the McKinsey Global Institute, this adds more than $75 billion in underwriting, marketing, sales, billing and other administrative costs that offer no health benefits. More than half of all American employers who offer health-care benefits don't offer their employees a choice. Consequently, most Americans don't have the option of giving their business to insurance companies that treat them well and only cover what they need. This prevents the usual market forces from holding down costs. Read more...

Comment: Considering the costs associated with coverage, the best insurance you can provide yourself is done on a daily basis - your diet and exercise habits. That is your insurance plan. Otherwise you need full coverage insurance so you can smoke, eat fatty foods, clog your arteries, and let your mind go to mush so that other people, machines, facilities, and procedures can increase your life's duration due to the improper care you put on yourself. Your health. Your choice.

The Health & Wellness Institute

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