Health insurance premiumsIn tough economic times, medical insurance plans are passing costs onto employees by having them pay some of the insurance premium payments. By staying healthy with the right diet and exercise you can cut your health insurance premiums. When you are healthy, health insurance companies have less exposure to the risk of paying a claim so they are likely to lower your premiums.

To help you work on getting and staying healthy, some employers offer wellness programs through their medical insurance plans. These wellness programs can offer health coaches or classes to help you lose weight or stop smoking – – which are two of the top causes of high health insurance premiums.

Another way employers help you get and stay healthy is through onsite exercise classes or even workout equipment. The employers intent is to get you healthy so that the company health insurance premiums can be reduced. So it becomes a “win-win” for the employer and the employees.