In the recent past, health Insurance companies competed for your business and rewarded healthy people with lower premiums, lower deductibles and more choices. You had more freedom to choose the doctors and the hospitals of your choice. They offered things called "Return of Premium" and "Vanishing Deductibles." Healthy people had more control and choice over their health care and were more savvy when purchasing coverage. Most people took responsibility for their health and what type of coverage they wanted for their families. These decisions were more important to them since most of them were paying their own premiums.
With the introduction of guaranteed issue market place options and subsidies from the government your health insurances choices became more limited. These plans force you to have benefits you may not want, need, nor want to pay for and are not predicated on being healthy to get coverage. These days, many people are not connected and disengaged with their insurance care and the right options that are best for them.
"Healthness" plans do exist in today's market. Or to be more clear, healthy options that reward your Wellness + Fitness. These plans empower consumers with choices and options based on your lifestyle choices. They are custom designed by you to fit your needs to assure you're getting what you want and what you need.
Fit First Health Insurance wasn't created to single out people who make unhealthy choices and we are not denying that there is a need for the current marketplace plans. We just offer alternative insurance options for healthy or physically fit people.
Every other type of insurance rewards you for "good behavior". Safe drivers with zero accidents get discounts on their Auto Insurance. Healthy people with a rating system get better coverage with Life Insurance. Home owners who maintain their property and add security systems get a better rate on their Home Owner's Insurance.
Why don't we get discounts on health insurance when we are healthy?
It's often said that the most important thing in life is your health. Our system tends to be some what backwards. Most people think there is no financial incentive from insurance companies to stay healthy. We aim to promote "Heathness" Wellness + Fitness. We empower you to make better choices. There should be an alternative system in place where individuals have better choices and are rewarded for their healthy habits not penalized. Consumers should be encouraged to make better lifestyle choices by the government and the insurance industry. We predict there will be a major shift and an integration of the medical industry, health insurance industry and fitness industry.
The current health insurance system is in crisis and our nation is unfit to manage it. Health insurance cost more and more all the time while delivering less benefits an don't take into consideration and reward healthy efforts of the the individual.
Recent statistics indicate: only 16-20% of our society work out on a regular basis. We believe the insurance industry needs to change and recognize the benefits of being healthy. We envision a marriage between the fitness and the health insurance industry. We think they will create a standardized rating system that monitors and tracks our actual health. The insurance industry could use your personal health data to design a lower risk more fit insurance option. This way you are rewarded for reaching specific physical fitness goals. The net outcome would be a more connected healthier society and lower health care cost overall.
Wellness + Fitness = Healthness
Reach out to see how we can help you save on health insurance.
Published: February 01, 2022
Back
