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

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3. Adult Onset Diabetes and ‘Quacks’

Current books on nutrition and herbal supplements tout Hydro-chloric Acid (HCA) and chromium percolonate along with ‘Vanadol‘ as a cure for adult onset diabetes. The truth of the fact that disallows ‘Vanadol’ for sale in Canada is evil, though I do not believe there is such a thing as evil. The drugs that are recommended lead inexorably to the use of insulin and toxic death. There is research that shows these drugs directly create death in a certain percentage of cases as well. HCA and vitamin C may have benefits in building up the immune system and stopping cancer and other disease. Our body has the ability to cure itself when the soul is properly in tune with it, according to many healers of the past. Will we support it rather than deny it? There is no need to avoid the use of medical approaches when warranted but their overuse leads to hospitals of high risk. The stories of unnecessary operations and faulty operations are rampant in society.

When one learns to have regular exercise and nutritional discipline great things can be achieved, as in the case of my ‘twin’ who beat leukemia which I mentioned under ‘cancer cures’. The joke that says if it walks like a duck and talks like a duck – it is a duck! – might have some benefit for us to consider. Who is the quack? The results are sufficient to know we could use the homeopathic and naturopathic or chiropractic knowledge but it is an uphill fight. There are 300 doctors in Ontario who support this ‘environmental medicine’ but they run the risk of losing their license. Yes, it happens all the time, and the lawyers get rich while people die from the debilitating effects of drugs and their effect on leeching the body of vitamins and resources to beat all kinds of disease.

Dr. Bell did a tape I listened to once; it said in 1993 the average age or lifespan of doctors was 57 and the population at large was 73 (U.S.). He is a veterinary doctor who found the benefits of chromium and vanadium with cattle also worked on humans. Animals might ‘quack’ but ‘experts’ are often ‘quacks’!

Author of Diverse Druids Columnist for The ES Press Magazine World-Mysteries.com guest ‘expert’

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The exact cause of type 2 diabetes is still unknown. Many doctors subscribe to the “lipocentric hypothesis,” which pins the blame on extra pounds. Even if the body makes lots of insulin to process or store blood sugars, the theory goes, the extra weight overwhelms it. “The fat in your belly is very insulin-resistant,” says George Fielding, a bariatric surgeon at New York University. “So as that fat increases, the insulin in the body just isn’t strong enough to work against it, and the person gets diabetes.”

That explanation, however doesn’t work for everyone, because it fails to account for the 20 percent of type 2 diabetes patients who aren’t overweight. I can’t say I’m one of them but for what I eat and the amount I exercise now. I shouldn’t be this big and my blood sugars shouldn’t ever be above 200.

“They’re very active, and they eat properly,” says Paul Robertson, a prominent diabetes researcher in Seattle. As for what could be causing the illness in those cases, says Robertson, “we’re left scratching our heads.”

I’m just not at the point right now where I can put in a WHOLE LOT of time into this although it is my health.

When used as a last resort for weight management, certain gastric bypass procedures have been known to completely reverse, or at least mitigate, type 2 diabetes. Until recently, researchers had assumed that weight loss alone was somehow responsible for this benefit. However, new research in rodents and very preliminary work in humans suggest that hormonal and metabolic changes caused by the surgery must be responsible, not simple weight loss, said Karen Foster-Schubert, MD, acting instructor at the University of Washington in Seattle.

Something that seems very positive is that the medications for type 2 diabetes in 10 out of 11 obese adolescents treated with the procedure have stopped taking their meds all together.

I’d really like to hear from you and your thoughts on whether this is my solution or do I go on fighting diabetes the rest of my life.

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2. Insulin Resistance And Complex Carbohydrates
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