One of the most important benefits in your individual family plan health insurance is well care checkups. Women are very good about getting the annual Pap smear and mammogram but men…….. not so much. As a licensed insurance broker I can tell you that almost always the men in the family just aren’t going. Even if you have a high deductible health plan a man may still get a well care check up annually at no cost.

The US Department of Health and Human Services recommends that you check your body mass index (BMI). Also, once you turn 35 get a cholesterol screening and have your blood pressure checked every two years. At age 45 ask your doctor if you should take an aspirin every day to help lower your risk of heart attack. A colorectal cancer check should be done starting at age 50. One of the best ways to keep your health insurance premiums lower as you age is to do all of the preventive care that is recommended. The healthier you are the better it will be for you, your family and your wallet. As an added bonus you’ll be able to dance at the kids wedding!