Living without Health Insurance

An increasing amount of Americans are without health insurance every year for different reasons.  Not being covered by health insurance in case of an illness or emergency could add significant stress to an individual or a family.  Without a doubt it is necessary to find an alternative option to pay for your medical bills. In addition to that, educating yourself about your health, incorporate healthy eating habits, choosing the right exercises and implementing a stress reduction program can all contribute to a healthier you and significantly reduce the visits to the doctor’s office.

Let’s take a look at your options when confronted with the uninsured status:

For the purpose of finding alternative ways to pay for high medical costs, you have three options available to you.  You can shop for private insurance, which to this date is still fairly expensive.  As a matter of fact, most European countries are set up this way.  If you are employed you might qualify for a flexible spending account, a tax-advantaged financial account, set up through your employer.  

A FSA allows an employee to set aside a portion of his or her earnings to pay for qualified expenses as established in the plan, most commonly for medical expenses.  Money deducted from an employee’s pay into a FSA is not subject to payroll tax.  If your employer doesn’t offer a flexible spending arrangement or you are self-employed, consider opening a separate bank account, referring to it as your personal health spending account.  Decide on the amount that you will deposit into this account on a monthly basis.  If should always be the same amount, and you should strictly refer to this account for medical bill payment purposes only.

In an effort to keep your medical bills low, it is essential to practice preventive medicine.  Here are some guidelines:

Consider a Ph-balanced diet for optimum nutritional support.  Most Ph-balanced diets refer to the 80/20 plan.  This means that 80% of your dietary choices need to metabolize into alkaline ash and the other 20% into acid ash in an effort to provide the body with full protection against foreign invaders.  There are many websites that will provide you with alkaline and acid ash food lists.

Purchase a natural immune builder such as Oil of Oregano at one of the Health Food Stores.  It doesn’t only improve your immunity but speeds up the healing process when confronted with a minor health issue such as a cold, a cough or the flu.

Choose an exercise program that works for you.  Exercising is important as it will improve circulation and help reduce toxin build-up in the body.  You will not only benefit from it physically but also emotionally.

A Stress-Reduction Program is a necessity nowadays.  Stress changes our breathing pattern from deep breathing to shallow breathing.  The less oxygen we provide our body with, the greater the chance for minor to major ailments to develop.  Deep breathing exercises or Yoga will assist in focusing on breathing and stretching to help release stagnated tension.

Eliminate as many sugar drinks from your diet as you can.  Sugar has been known to lower your immunity.  Instead practice drinking 2-3 liters of fresh water daily.  Every body system, from the circulatory to the skeletal, depends on an sufficient amount of water to stay healthy and to function properly.