How Much Is Your Health Costing You & Everyone Else?

How Much Is Your Health Costing You & Everyone Else?

“Eating healthy is expensive!”

I’ve harped about this plenty in previous blog posts, but one of the most common excuses people make for not eating healthy is how costly they think it is.

Do some critical thinking for a bit. What do you think costs more long term, eating healthy for life or years of medical expenses, pills, and surgeries especially in the latter years of your life?

In this week’s post, we’ll go over how being healthier will save YOU money, make you MORE money, and cost me, and EVERYONE else less!

Poor Health’s Costs

After doing some research, I ran into two thorough reports comparing poor health with peoples’ medical expenses and their earnings. I suggest you give both a read, multiple times because of the facts no one wants to talk about below.

In one report done by the National Bureau of Economic Research, researchers asked 958 middle-aged men to rate their health on a scale of 1-5, with 1-2 being considered poor health. Researchers found that:

  • People in their study whom spent 16-20 years with poor health lost $4,000 more annually than healthy individuals.
  • By age 65, the wealth gap between healthy and unhealthy men was $150,000.

If you are still in your 20s or 30s, it is critical to develop healthy habits now, rather than later. The longer you wait, the less likely you recover.

In the next study, Rutgers University studied how improved health behaviors effect their medical expenses. They’ve found:

  • Healthier people pay lower health premiums, saving them tons of money in the long run (no brainer).
  • Higher company health costs from poor health takes away money you could potentially take home, having a trickle-down effect financially if you aren’t aware of what you’re doing with your money.

Rutgers also studied how medical costs and earnings for smokers and obese people differ from others:

  • Overweight individuals tend to make less money than their slimmer counterparts.
  • Obese individuals and smokers pay more for health expenses such as medical insurance, disability, and long term health insurance.
  • Obese people spend 36% more on health services and 77% more on medications than non-obese folks.
  • Smoker’s will pay higher insurance premiums than non-smokers, and in some states, can be a reason they get fired.
  • A typical non-smoker’s net worth has been found to be 50% higher than light smokers and twice as high as heavy smokers.

You might think to yourself, “It’s my life. I’ll do what I want. I’m only hurting myself.”


It effects EVERYONE financially.

Poor Health’s Costs on Society

One of the biggest reasons I shy away from looking at articles, like the one from Santa Clara University, is that I get upset. Upset because I’m losing money to fund people’s unhealthy lifestyle habits. Why do I have to suffer financial consequences for those who lack self-discipline or simply do not care?

From the American Medical Association, $0.25 of every health care dollar is spent on treatment of diseases or disabilities that result from potentially changeable behaviors.

People not at risk for health related issues pay higher insurance premiums, government expenditures, health care costs, and disability benefits caused by individuals with unhealthy habits, regardless if they ever need to use it or not.

Changeable unhealthy habits that cause disease or disability are most costly:

  • Coronary heart disease costs the U.S. $43 billion per year.
  • With increased health care and insurance costs from smokers, every person pays $221 annually for smoker’s health expenses.

Everyone loses with an unhealthy society, except the medical related businesses of course.

Just imagine if everyone were active and made it a point to eat better and exercise a tad more. Insurance would be much lower and the need for medicine and surgeries would go down the drain, leaving that much more money for me and you. That’s money we can invest, start our own business, purchase a home, whatever WE want to do with it.

Make being a healthier individual in 2019 a major goal for yourself. You might not notice a significant difference in one year (I think you will), but if you make it a habit and compound it over time, your life WILL change for the better.

Hope you all enjoyed this week’s blog post! If you’ve missed last week’s post on my Top 5 Books Read in 2018, click here! As always, don’t forget to like, comment, share, and subscribe!

“The greatest wealth is health.”

Book of the Month:                 “As You Think” by James Allen

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