Medical insurance is a type of insurance whereby the insurer
pays the medical costs of the insured if the insured becomes sick due to covered
causes, or due to accidents. The insurer may be a private organization or a
government agency. Market-based health care systems such as that in the United
States rely primarily on private health insurance.
Because of advances in medicine and medical technology, medical
treatment is more expensive, and people in developed
countries are living longer. The population of those
countries is aging, and a larger group of senior citizens
requires more medical care than a young healthier population.
(A similar rise in costs is evident in Social Security
in the United States.) These factors cause an increase
in the price of health insurance.
Some other factors that cause an increase in
health
insurance prices are health related: insufficient exercise;
unhealthy food choices; a shortage of doctors in impoverished
or rural areas; excessive alcohol use, smoking, street
drugs, obesity, among some parts of the population;
and the modern sedentary lifestyle of the middle classes.
In theory, people could lower health insurance prices
by doing the opposite of the above; that is, by exercising,
eating healthy food, avoiding addictive substances,
etc. Healthier lifestyles protect the body from some,
although not all, diseases, and with fewer diseases,
the expenses borne by insurance companies would likely
drop. A program for addressing increasing premiums,
dubbed "consumer driven health care" encourages Americans
to buy high-deductible, lower-premium insurance plans
in exchange for tax benefits.
Take care of your body and eliminate risk.
Weight loss through execise and healthy diets is the place to start.
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