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  • Northeast Wisconsin
  • July 2017
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Who should decide how we spend our money on health care?

Government? Insurance companies? Doctors? Hospitals? Employers? Or should it be us, and our families and friends working with health professionals to decide how we spend money on health care?

This is part of the debate that is moving through our government legislative process as the U.S. House of Representatives have sent a bill to the U.S. Senate that makes changes to the Affordable Care Act of 2010.

We can spend our money any way that we want, but when faced with expensive medical care bills, the many rules and regulations of health insurance take over.

As health insurance plans move to higher deductibles, we have incentive to take charge of how we spend our health care dollars.

No one knows what the legislative process outcome will be, but one thing is certain, and that is, we will need to make more informed decisions about our health to reduce our health risks and lower our need for expensive medical care.

To our advantage, new technology is available that uncovers disease risks before symptoms appear; and new health information is available to reverse it. Test results showing high risk for diseases like cancer, diabetes or heart disease can be addressed.

For example, the latest genomics health information research is showing that gene expression can be controlled by nutrition and nutritional supplementation to turn off bad genes and turn on good genes. It follows the same path as antioxidant protection at the cellular level for our whole body. The more we learn about things we do every day to reverse pre-disease risks, the more we can do something about it.

The current system does not offer direct benefits to reverse pre-disease. This is why we as consumers, using our own money will demand health care help to address disease before it happens.

It may be a while before health insurance plans direct us to focus on health before disease, but the expansion of health savings account type plans can motivate us to drive innovation using our own health care dollars to improve heath and lower cost.

Health savings account plan designs are available to people on Medicare, individual plans and many people who receive their health insurance through their employer.

Remember to always work with a licensed health insurance advisor to choose your health insurance plan to determine what plan is best for you. 

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