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7 Compelling Reasons Why Healthcare Premiums Keep Increasing

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7 Compelling Reasons Why Healthcare Premiums Keep Increasing

The US is one of the highest spending countries when it comes to healthcare costs. These cost have steadily grown over time, most notably in the last decade. The worst part about everything is the fact that while these costs keeping growing, the quality in medical treatment is not growing along those same lines. Providers use leverage in the market to determine fees and that causes inflation that results in higher fees and premiums. There are 7 major factors that contribute to driving up health insurance premiums.

The first is new medical technology. This is a natural cause of rising premiums as there will always be new technologies being developed. The positive side of this is that with new technologies comes better medical care.

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The second factor that drives up insurance costs is inflation due to providers.

The third reason is the low usage of primary care physicians. When people need specialist doctors their primary care physician will act as a gatekeeper to those specialists, thus lowering the cost.

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That leads us to reason number 4 which is high spending on specialists.

The fifth reason is the aging population. We all know that with age comes increased health problems. It is important for the aging population to get their health care as cost effective as possible.

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The sixth reason is one that we have little control over and that is the rise in chronic illnesses. The very last reason is that of medical frauds that are committed. The reasons stated above were discovered through

Carrington College. The information tells us that there is a lot that we cannot control when it comes to some things that contribute to the rising costs like new technologies constantly developing and aging population. There are however things that we can control like increasing the number of primary care physicians in order to decrease the cost for specialists. Lowering the cost of health insurance starts with doing a good job with what we can control. To get a better understanding of the factors stated and how they directly affect your premiums, please view the infographic below: why-is-health-insurance-expensive

     

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    Last Updated on January 27, 2022

    5 Reasons Why Food is the Best Way to Understand a Culture

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    5 Reasons Why Food is the Best Way to Understand a Culture

    Food plays an integral role in our lives and rightfully so: the food we eat is intricately intertwined with our culture. You can learn a lot about a particular culture by exploring their food. In fact, it may be difficult to fully define a culture without a nod to their cuisine.

    “Tell me what you eat, and I’ll tell you who you are.” – Jean Anthelme Brillat-Savarin (1825).

    Don’t believe me? Here’s why food is the best way to understand a culture:

    Food is a universal necessity.

    It doesn’t matter where in the world you’re from – you have to eat. And your societal culture most likely evolved from that very need, the need to eat. Once they ventured beyond hunting and gathering, many early civilizations organized themselves in ways that facilitated food distribution and production. That also meant that the animals, land and resources you were near dictated not only what you’d consume, but how you’d prepare and cook it. The establishment of the spice trade and the merchant silk road are two example of the great lengths many took to obtain desirable ingredients.

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    Food preservation techniques are unique to climates and lifestyle.

    Ever wonder why the process to preserve meat is so different around the world? It has to do with local resources, needs, and climates. In Morocco, Khlea is a dish composed of dried beef preserved in spices and then packed in animal fat. When preserved correctly, it’s still good for two years when stored at room temperature. That makes a lot of sense in Morocco, where the country historically has had a strong nomadic population, desert landscape, and extremely warm, dry temperatures.

    Staples of a local cuisines illustrate historical eating patterns.

    Some societies have cuisines that are entirely based on meat, and others are almost entirely plant-based. Some have seasonal variety and their cuisines change accordingly during different parts of the year. India’s cuisine is extremely varied from region to region, with meat and wheat heavy dishes in the far north, to spectacular fish delicacies in the east, to rice-based vegetarian diets in the south, and many more variations in between.

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    The western part of India is home to a group of strict vegetarians: they not only avoid flesh and eggs, but even certain strong aromatics like garlic, or root vegetables like carrots and potatoes. Dishes like Papri Chat, featuring vegetable based chutneys mixed with yoghurt, herbs and spices are popular.

    Components of popular dishes can reveal cultural secrets.

    This is probably the most intriguing part of studying a specific cuisine. Certain regions of the world have certain ingredients easily available to them. Most people know that common foods such as corn, tomatoes, chili peppers, and chocolate are native to the Americas, or “New World”. Many of today’s chefs consider themselves to be extremely modern when fusing cuisines, but cultural lines blended long ago when it comes to purity of ingredients.

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    Black pepper originated in Asia but became, and still remains, a critical part of European cuisine. The Belgians are some of the finest chocolatiers, despite it not being native to the old world. And perhaps one of the most interesting result from the blending of two cuisines is Chicken Tikka Masala; it resembles an Indian Mughali dish, but was actually invented by the British!

    Food tourism – it’s a whole new way to travel.

    Some people have taken the intergation of food and culture to a new level. No trip they take is complete with out a well-researched meal plan, that dictates not only the time of year for their visit, but also how they will experience a new culture.

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    So, a food tourist won’t just focus on having a pint at Oktoberfest, but will be interested in learning the German beer making process, and possibly how they can make their own fresh brew. Food tourists visit many of the popular mainstays for traditional tourism, like New York City, San Francisco, London, or Paris, but many locations that they frequent, such as Armenia or Laos, may be off the beaten path for most travelers. And since their interest in food is more than meal deep, they have the chance to learn local preparation techniques that can shed insight into a whole other aspect of a particular region’s culture.

    Featured photo credit: Young Shih via unsplash.com

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