By David Tepera, August 5, 2026
When it comes to medical insurance, I believe we all have our opinions about costs and coverage. As we get older, it is important to have financial help when faced with a medical condition. At the ripe-old-age of 65, I am comfortable with the Medicare programs I chose to meet my needs.
For me personally, I never had health insurance until I went into the medical industry around the age of 40. The only reason I took it was because the company I worked for paid it. The program was good, but I only used it when the kids needed tubes in their ears.
Just know, the first time I ever tapped into health insurance was at the age of 60 due to a severe reaction from a vaccination.
Listen, the following is only my personal opinion and decision. We all must choose what’s best for our health. My whole adult life has been surrounded with health and fitness. I was never diagnosed, but my energy level didn’t slow down until in my 50’s.
To me, it was a waste of money to have medical insurance when I lived a healthy lifestyle. I did understand that accidents are around the corner, but that was the chance I was willing to take.
Here’s a crazy statistic for you; I didn’t pay health insurance from the age of 20 to 40. If calculated at an average of $500 per month the entire 20 years, I saved $120,000 dollars by just being healthy.
What’s your lifestyle costing you? How many prescriptions are you on? Are you improving your doctor’s life or yours? What insurance program are you on?
Come on, this is a reality check. Don’t get me wrong, Tina and I take time out to have fun and get away from the stress of owning a business. Our vacations have nothing to do with being healthy. We eat and drink what ever we choose, but that’s only temporary.
What does your daily life consists of? Are you exercising, lifting weights, consuming healthier meals, hydrating with water, plus getting plenty of sleep? That’s totally your decision.
One thing we all have in common is making excuses. That’s the easy way out. Why not change all that today? Shut your laptops, turn off the phones and televisions, and get your butt up.
Quit relying on your insurance program when it’s cheaper to make healthier decisions. I promise, you’ll start enjoying life again.