The Often Overlooked Component of Superhuman Health

What do you need for Superhuman health? As Ben Greenfield says, achieving your goals requires optimizing your lifestyle parameters well beyond just diet and exercise. Whether it’s working at a standing desk, getting frequent blood tests, or sleeping adequately, there is definitely more to being healthy than just eating and working out.

But in this article, you’re going to learn about an oft-neglected component of Superhuman Health…

…your insurance.

There are many reasons why health insurance should be included in the necessary requirements for becoming superhuman. One reason is that, even if you go out of your way to maintain your health, anything could happen. Accidents, injuries, and illnesses can all plague ordinary, healthy people. In fact, being active can put you at a higher risk of injury, though you may have a lower risk for metabolic disorders. Though I do think I have avoided going to the doctor due to my healthy habits, the one time I have incurred significant medical expenses was when I got in a motorcycle accident and was underinsured.

Another reason why to get insured is that many health insurance plans cover blood tests and physicals. Instead of paying out of pocket to track your health, you can do it on your health insurance carrier’s bill. Your carrier wants you to stay healthy too, and they would rather pay for diagnostics than for a medical procedure should you fail to catch an indicative blood maker in time for a less invasive treatment.

One way I have always rationalized spending time, money, and effort on my health is that it will be cheaper in the long run. Not only will you have cheaper co-pays and less cost while under your deductible, but according to eHealth’s BMI report, obese people pay 22% higher premiums than people with a normal BMI.

In 2014, the Affordable Care Act puts an end to weight discrimination in health plan pricing, but you still have every reason to continue to work towards your goals. As you may have read, the United States spends nearly $2.6 trillion on healthcare every year. By avoiding the costs associated with chronic illness, you are helping to reduce the cost of a very expensive system that strains the US deficit.

What do you do if you don’t have health insurance?

If you don’t have health insurance through your employer, you can buy health insurance in the private market. With over 3 million people insured, eHealth Insurance lets you compare health plans in your area to see which is right for you. You can choose one that has a low premium but would cover you in case of an accident, one in which doctor’s visits have a very low copay, one that covers prescription drugs, or any other kind of coverage you desire. It’s as easy as selecting the plan features that you personally believe are important, whether on our website, or our smartphone app. Senior readers can go to eHealthMedicare.com to compare Medicare health plans, where they choose a plan in a similar fashion.

Like Ben, I believe that a big part of staying healthy is getting educated on diet, exercise, and other lifestyle factors.

But I advocate starting with a baseline of being insured, so that you can afford self-quantification, doctor’s visits, and treating the occasional injury. Don’t let your hopes of becoming superhuman get derailed by a factor you can’t control. Get insured through America’s #1 health insurance site; go to eHealthInsurance.com to start comparing plans.

Resources:

http://news.ehealthinsurance.com/_ir/68/20125/eHealth_Smoking_and_BMI_Health_Insurance_Premiums_2012t.pdf

http://www.rand.org/wp-content/dam/rand/pubs/corporate_pubs/2005/RAND_CP484.1.pdf

About author Trevor Hudson: Trevor’s interest in the intersection of health and technology has brought him to eHealth, where he works on projects to help visitors of eHealth websites understand their health insurance options in the wake of health reform. An advocate of healthy living himself, he enjoys sharing information about how to maintain a healthy lifestyle and is known for keeping a grill in the office.