You will not like the answer to this particular issue, but facts are facts. Health insurance rates are rising because of us. It is true we are the authors of our own misfortune if you will. Quite simply, we do not want to deal with ourselves and then we’ll send the price of health care rates sky high.

We drink, we smoke, we get older (OK, we can do nothing against it) and we’re not at work. Our obesity rate as a nation is abominable. The costs of health care for the treatment of alcoholics, smokers and obese patients are phenomenal.

It is not just that we do not care. Other factors that push up costs for health insurance premiums, medical inflation and medical errors. Now you might think medical errors must cost a bundle. In fact, they are down – a good thing in the standards.

The largest area of problems is medical inflation. Try to know what the operation costs you, and good luck on that. Take, for example, you need an appendectomy. Want to know what it will cost. No hospital or doctor’s office will give you this number because they have no idea what they’ll charge you until they have the payroll.

Surgery has almost become an a la carte menu, which accesses the doctor (and hospital) and choose what you want charged. Distribution costs of pills for the cost of the pill itself and the cost of the extra pillow you wanted the extra required for your incision dressing. You get charged for each item. No invoice requests are so high and they can not say what it costs.

However, said it is interesting to note that doctors be able to tell, the biggest insurance companies paying the freight how much it costs a day’s stay in hospital and that the costs of a particular surgery. See what happened here? The doctor is at a rate of the insurance company and the bills you paid extra for other things. Nasty, but it works.

If you lower health care, ensure that you start taking for you. Do not smoke, not to excess and move on and work to drink. They are healthy, the lower your cost of health care in general.

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