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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: Sotagliflozin Shows Benefit When Added to Insulin for Type 1 Diabetes - Managed Healthcare Executive Sotagliflozin Shows Benefit When Added to Insulin for Type 1 Diabetes Managed Healthcare Executive Hemoglobin A1c (HbA1c): What to know if you have diabetes or prediabetes or are at risk for these conditions Harvard Health Middle East Diabetes Devices and Therapeutics Market GlobeNewswire Why These Three Wearables Stocks Just Hit The Skids Investor's Business Daily England’s successful diabetes prevention program as blueprint for Canada McGill University Diabetes: Swapping diet soda for water boosts chances of remission MedicalNewsToday Islet Cell Therapy Has Potential to Cure Type 1 Diabetes Managed Healthcare Executive 3D-printed pancreas cells could offer the future of diabetes treatment in world-first breakthrough UNILAD Tech Prediabetes: Just over 2 hours of exercise a week could reverse it MedicalNewsToday Relationship between free fatty acids and diabetic retinopathy in male patients with type 2 diabetes nature.com The effect of barley savigh consumption on blood sugar among pre-diabetic postmenopausal women nature.com Over Decades, A Healthy Lifestyle Outperforms Metformin in Preventing Onset of Type 2 Diabetes The University of New Mexico Stem cell therapies for diabetes nature.com How Immune Checkpoint Inhibitors Can Induce Diabetes Yale School of Medicine Smart Insulin Pen Cap System Shows Sustained Glycemic Improvement Over 12 Months | ADA 2025 Drug Topics Painless diabetes patch to replace needle pricks University of Waterloo Magnesium and Diabetes: Benefits, Deficiency, and More HealthCentral Gestational Diabetes Risk Flagged by Gut Microbes Inside Precision Medicine All-cause hospital admissions and incidence of type 2 diabetes among adolescents in Kazakhstan nature.com Identification of comorbid genes between type 2 diabetes and migraine through peripheral blood single-cell and Mendelian randomization analysis The Journal of Headache and Pain Progression from gestational diabetes to type 2 diabetes can be predicted: Researchers University of Toronto Identification of circulating inflammation cytokines as a mediator of gut microbiota and type 2 diabetes mellitus: a Mendelian randomization study Diabetology & Metabolic Syndrome People with severe diabetes cured in small stem cell trial The Conversation Persian version of diabetes burnout scale among patients with type 2 diabetes: a validation study BMC Endocrine Disorders Effects of canagliflozin on cardiovascular disease risk factors in patients with type 2 diabetes: a systematic review and meta-analysis BMC Endocrine Disorders Predictmedix AI Expands into Mobile Diagnostics with New AI-Driven Diabetes Screening Platform Business Wire U.S. Pediatric Diabetes Management Market Report, 2033 Grand View Research No more insulin shots? This 3D-printed scientific leap could change diabetes treatment forever The Economic Times Closed-loop therapy improves glycemic control in pregnant women with T1D Contemporary OB/GYN 3D Printing Could Enable Long-Term Islet Transplantation in Type I Diabetes Inside Precision Medicine Tandem Diabetes Care to Announce Second Quarter 2025 Financial Results on August 6, 2025 Business Wire Son’s diabetes diagnosis sent scientist on quest for cure Harvard Gazette New study suggests a shift in diabetes testing after pregnancy to improve women's health Sinai Health Phillip’s diabetes story: “My whole life changed.” Government of Prince Edward Island The rising rate of type 2 diabetes in young New Zealanders is becoming a health crisis The Conversation How to Prevent Alarm Fatigue in Diabetes Healthline People with severe diabetes cured in small stem cell trial Medical Xpress Stopping diabetes at the YMCA cihr-irsc.gc.ca Music Duo The War and Treaty on Managing His Type 2 Diabetes—and Getting Healthier Together The Healthy @Reader's Digest Diabetes World Health Organization (WHO) Shubhanshu Shukla’s ISS mission could be a game-changer for diabetes treatment financialexpress.com Popular diabetes and weight loss drugs may cause rare, irreversible vision loss: WHO warns The South First Physicians Looking to Pharmacists for Patient Engagement in Diabetes Management | ADA 2025 Drug Topics Diabetes and Depression National Institutes of Health (NIH) | (.gov) ‘Sweat, spike, solve’: Research suggests a new strategy for people with Type 1 diabetes to lower blood sugar after exercise University of Alberta How pregnant women are tested for gestational diabetes is changing. Here’s what this means for you The Conversation |
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