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Diabetes Information |
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I Have Diabetes or Another Chronic Condition - Should I Use an HSA?
Health Savings Accounts (HSAs) are becoming quite popular for people who are generally healthy. But what about sick people? What about people who have chronic conditions like diabetes, multiple sclerosis or the like? Does an HSA make sense for them? The short answer is yes. One of my clients is a diabetic. She is very careful about what she eats and she takes her insulin regularly. She has a tremendous amount of energy and a great outlook on life. She's in her late fifties. She asked me about the high-deductible health insurance policy and the HSA in my book. We began to work the numbers together. With a high-deductible plan, she would definitely be paying out-of-pocket for insulin and other supplies every month, to the tune of over eighty dollars. But, on the other hand, she would save $250 on a reduced premium payment. Once we did the calculation, she and I realized that it made perfect sense for her to switch to a high-deductible policy and use an HSA. Even after paying for her diabetic supplies, she was saving $170 every month, which amounted to $2,040 a year. What could you do with $2,040 a year, given to you just for changing your insurance policy? I can think of lots of uses. My client has also thought of lots of uses for that money, believe me! (I think she's saving it for a nest egg.) Now, whenever she sees me, she points and says "You're the guy who saved me $250 a month!" That's a great feeling. If you have a chronic condition that requires pharmaceutical drugs or medical supplies or on-going doctor visits, please do this calculation for yourself. Compare the amount that you'd be paying out-of-pocket to the amount of money you'll save with a lowered premium payment each month. You might be pleasantly surprised! And, of course, if you have a relapse or a catastrophic health event, your insurance policy will kick in once you hit the deductible, and you'll enjoy full coverage after that. Health Savings Acccounts (HSAs) are a wonderful tool to help you reduce your health insurance costs. They are a perfect fit for the self-employed and the small business. And they are available today! Talk to your insurance agent, bank or financial advisor for more details. Who knows? You might have an extra $250 or more coming into your household next month! Daryl Kulak is the author of the book "Health Insurance Off the Grid - A Wonderful Way to Use Alternative Medicine and Save Money on Insurance Using the New Health Savings Account (HSA)." The book provides a nine-step plan to get your self-employed or small business health insurance costs under control using a unique approach you won't find anywhere else. The book is available for sale as an e-Book or paperback at the Website http://www.healthoffthegrid.com
MORE RESOURCES: FDA Clears MiniMed 780G System to Enable Integration with the Instinct Sensor, Made by Abbott, and Approves Use in Type 2 Diabetes Investing News Network Novo Nordisk’s SWOT analysis: diabetes giant faces fierce competition in GLP-1 stock battle Investing.com Diabetes: Can turmeric supplements help with weight loss? MedicalNewsToday Lilly rounds out oral GLP-1 approval bid with phase 3 obesity win for patients with diabetes Fierce Biotech Mediterranean Diet Reduces Diabetes Risk, Study Shows The New York Times New study determines that type 1 diabetes in children can be linked to other types of diabetes in parents McGill University Health Centre How important is it to you that your partner takes an active interest in your diabetes management? HealthCentral The Role of Exercise in Diabetes - Endotext National Institutes of Health (NIH) | (.gov) Combination therapy shows improved health outcomes for teens with type 1 diabetes: Study University of Toronto Type 1 Diabetes Patient’s Insulin Production Restored with New Cell Transplant Therapy Scientific American 5 vegetables that help manage Diabetes The Times of India Painless diabetes patch to replace needle pricks University of Waterloo People with learning disabilities seem to progress faster to severe type 2 diabetes - Medical Xpress England’s successful diabetes prevention program as blueprint for Canada McGill University Health Centre Progression from gestational diabetes to type 2 diabetes can be predicted: Researchers University of Toronto Risk factors for progression to albuminuria in individuals with newly diagnosed type 2 diabetes: a 5-year cohort study BMC Endocrine Disorders Diabetes dietitian recommends four foods to lower blood sugar to non-diabetic level The Times of India Canadian powerlifter with type 1 diabetes continues to thrive with expert care from Sinai Health Sinai Health Changing the Course of Disease in Type 1 Diabetes National Institutes of Health (NIH) | (.gov) Breath-Activated Sensor for Diagnosing Diabetes | Research & Technology | Aug 2025 Photonics Spectra Medtronic scores insulin pump clearance in Type 2 diabetes, preps launch of Abbott Instinct CGM Fierce Biotech New study reveals diabetes changes the shape of our hearts The University of Sydney GHRH agonist MR-409 protects kidney in diabetes, study shows BioWorld MedTech Metformin changes blood metal levels in humans EurekAlert! New study suggests a shift in diabetes testing after pregnancy to improve women's health Sinai Health Diabetes and chromium: Science says this trace mineral might be a secret weapon against high blood sugar; The Times of India Type 2 diabetes: New study suggests 'recipe' to lower risk MedicalNewsToday National pharmacare in B.C. - Province of British Columbia Government of B.C. Free diabetes screening gives donors valuable health insight Idaho County Free Press Cadisegliatin, an Oral Drug For Type 1 Diabetes, Begins Phase 3 Trial - Managed Healthcare Executive Cadisegliatin, an Oral Drug For Type 1 Diabetes, Begins Phase 3 Trial Managed Healthcare Executive More Than One-Third of Middle-Aged Adults with Diabetes Prescribed GLP-1 RAs: Daily Dose Patient Care Online AMAN - HINA - Croatia sees 28% rise in demand for diabetes drugs also used for weight loss Alliance of Mediterranean News Agencies Edmonton Protocol 25th Anniversary Celebration University of Alberta Health Canada approves Tzield – the first ever disease modifying therapy for type 1 diabetes Breakthrough T1D Canada The circRNA-mediated ceRNA molecular regulatory network in fatigue-type type 2 diabete Journal of Translational Medicine ‘Late dinners, 1 on 10’: As a nutritionist rates daily practices for diabetes, find out what truly helps control sugar levels The Indian Express MGUS patients face higher risk of multiple myeloma if they have diabetes or anemia: study koreabiomed.com Pancreatic Cancer Cases Increase in First 3 Years of Glycemic Evidence of Diabetes Oncology Nurse Advisor Phillip’s diabetes story: “My whole life changed.” Government of Prince Edward Island How To Manage Diabetes and Heat Cleveland Clinic Health Essentials Stem Cell–Derived, Fully Differentiated Islets for Type 1 Diabetes The New England Journal of Medicine FDA Clears MiniMed™ 780G System to Enable Integration with the Instinct Sensor, Made by Abbott, and Approves Use in Type 2 Diabetes Medtronic News Why walking after meals is a ‘small investment with lifelong benefits,’ especially for diabetics The Indian Express Blood sugar–friendly fruits if you have diabetes Harvard Health Adherence to diabetic retinopathy care and barriers to service utilization in Nepal BMC Ophthalmology Bears bring comfort to children with Type 1 diabetes Alberta Health Services Diabetes and Depression National Institutes of Health (NIH) | (.gov) Metformin Alters Copper, Iron and Zinc in the Body Technology Networks Diabetes World Health Organization (WHO) Research highlights pivotal steps forward for non-invasive glucose monitoring Open Access Government Physician shares 5 practical steps to manage diabetes for those working a desk job The Business Standard Message from Dr. Norman Rosenblum on World Diabetes Day 2024: Empowering Global Health cihr-irsc.gc.ca Transforming Hawthorn Seed Waste into Diabetes Solutions BIOENGINEER.ORG “Keeping in Touch” to empower youth with type 1 diabetes in the transition to adult care cihr-irsc.gc.ca In worlds first, gene-edited cells help diabetic man produce insulin The Business Standard Can Type 2 Diabetes Be Reversed? Yale School of Medicine The Correlation Between Macular Vessel Density and Its Clinical Parameters in Diabetes Mellitus Type 2 Dove Medical Press 6 Small Daily Habits That Can Have a Big Impact on Your Blood Sugar, According to Experts EatingWell Is it possible to reverse pre-diabetes in 30 days? The Indian Express Identifying Progression Risks to Albuminuria in Diabetes BIOENGINEER.ORG How India became the diabetes capital of the world The Telegraph |
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