5 Tips to Decrease Your Health Insurance Premium

/ Health Insurance / Sep 14, 2022

If you pay for your own health insurance, or if you’re part of a business that does, you know how expensive it can be. Luckily, there are plenty of ways to decrease your premiums and make them more affordable.

We asked our Trust Life health insurance experts about the best ways to decrease your health insurance premium, and they gave us the following top five tips. Follow these guidelines to see how much you can save on your next health insurance bill!

  1. Stop smoking

Smoking leads to various health problems and is one of the leading causes of heart disease and cancer, and can also lead over time to a life full of chronic lung problems. Quitting smoking not only helps you, but it also helps your family, friends, and colleagues.

It also helps to reduce your insurance premiums, which in turn lowers the costs for everyone else. Remember that quitting does take time; if you do smoke or use tobacco products, stop now and make the decision to never smoke again!

  1. Eat healthier

Planning and following a healthy diet is one of the most effective ways to help decrease your health insurance premium. This has many benefits for you, including less risk of diabetes, obesity, cancer, heart disease and various lifestyle illnesses.

Eating healthy will also give you more energy throughout the day which can make it easier for you to get up and do tasks that need attention around the house or on your job. You will also find that you are able to work out more often because you have an abundance of energy from eating better.

A good rule of thumb is eating five small meals a day which will help stabilize your blood sugar levels instead of opting for larger portions only at set times in the day.

  1. Exercise more often

Regular exercise can go a long way in not only making you healthier but decreasing your monthly insurance premium. Most health insurance providers offer deals with flexible memberships and promotions that reward healthy people with lower monthly premiums.

You may be able to save a substantial amount of money by engaging in more physical activity throughout the week. It’s worth considering if you’re looking for ways to decrease your health insurance costs.

  1. Cut back on junk food

Junk food can be fantastic and delicious, but when you know they will cause weight gain or other health issues, it’s best to cut back.

Take a look at what your diet is composed of and decide where some changes can be made in order to lower the amount of unhealthy foods that you consume. There are plenty of easy, healthy recipes available online if you want them!

  1. Shop around to find the best health insurance plans

Checking rates from different health insurance providers helps you get the best health and dental plans at the best price. If you need help, try contacting our health insurance advisor to find the best rates for you.

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