Health Insurance Premiums

The health industry's main lobbying group, America's Health Insurance Plans, reports that medical premiums increased 8.8% between 2004 and 2005. The lobbying group claims this is good news since the actual premium rate of growth has continued to slow from a rate of more than 13% in 2002. The increase in health premiums is reportedly most likely due to the increased use of doctor and hospital services.

The accounting firm, PriceWaterhouseCoopers, reports that just 14% of the increase had to do with administration or marketing costs or higher insurance profits. According to the Kaiser Family Foundation, an average health care plan obtained through an employer in 2005 approached $11,000. The average annual cost for the worker was approximately $3,500 plus deductibles and co-pays.

Employers are currently shifting more and more of the health care costs to their employees. Studies show that employers decreased health care spending by 1.3%, while employees increased spending by 5.5%. "What we're aware of is that health care costs," says Judy Feder, PhD, dean of the Public Policy Institute at Georgetown University, "even when they slow down, are still outpacing peoples' income and ability to pay."

The trend of increasing costs of health care does not seem to be slowing down. With baby boomers now into their sixties, these costs will certainly continue to rise. Health care costs are taking a larger chunk out of everyone's budget.

Prescription drugs price increases are outpacing the growing medical premiums by almost two-fold. Controlling drug costs is one of the simplest ways to lower overall health care spending. Using generics as often as possible, utilizing less expensive over the counter medication, and shopping online for lower prices (such as Easy MD, Aclepsa.com or 4rx.com are three quick and easy ways to lower these costs. Even small savings, done over and over, will soon add up to a significant reduction in your expenses at the pharmacy.

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HOUSTON

Memorial Day travelers will face another record increase in gas prices this Memorial Day weekend.
A survey found regular self-serve rose to nearly $3.75, 5 cents over the previous weekend.
According to the survey, Houston is rising in gas prices, nearly matching what car owners in Dallas are paying. The cheapest gasoline was in El Paso.
With the increasing prices of gas in Houston and with no relief in sight, it's no wonder why more and more car owners are turning to a Houston payday loan. Payday are very easy to find and more and more cash advance centers are popping up all around the city.
Prices for gas are only going to increase in the upcoming months. Houston residents are saving now more than ever and shopping around for the lowest rates on Houston. That's why more Houston residents are turning to services like PayDayFinder.com to find a local fast cash payday center.

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Reasons to lose weight

We've all heard that we are all as a society, getting fatter. Year after year we pack on the extra pounds and its not getting any better.

Don't get me wrong, I love a cheeseburger and french fries as much as the next guy, but there are some very important things to understand about being overweight. For example being overweight is very unhealthy. Life is too short to feel uncomfortable.

Stop living with the burden of being fat. Eat right, exercise and drink lots of water. Take the first step to weight loss: deciding to do it!

Here are some reasons to help you make that life saving decision:

Your Heart: The most important muscle in your body, also stores fat. If you are overweight, so is your heart. And if you heart gets clogged with fat you run a higher risk of heart disease and heart attack.

Your Energy Levels: If you are overweight, you are not as active as you could be. The funny thing about the body is the more energy you use, the more active you are, the more energy you have. When you are overweight it works the opposite. You feel tired or exhausted more frequently and generally are less mobile.

Your Confidence: Feeling healthy and attractive is an important factor for a balanced life. If you feel good about your body, you will feel more self confident. This behavior is contagious and attractive. Don't your friends and loved ones deserve to know the best possible version of you. If you are happy and self confident you can inspire others.

Your Life Span: Probably the most important reason to lose weight is a longer life. Being overweight makes a person more susceptible to a list of physical ailments and diseases including diabetes, stroke, and heart problems.

Losing weight is a choice, the above reasons should help anyone take the first step to a happier healthier life.

-- Bender Balls

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