How Health Savings Accounts Reduce Medical Expenses and Help You Avoid Metabolic Syndrome

The most common set of diseases facingto the insulin, in turn leading to increased risk of
Americans moving into their 40's and beyond hasobesity, hypertension, heart disease, diabetes, and
been termed "metabolic syndrome". Metabolicpremature death. Low-glycemic carbohydrates
syndrome is a collection of disease symptomsinclude most fruits and vegetables. Eating a diet
that tend to occur together. These are excessthat limits or avoids high-glycemic grains, potatoes,
body fat around your waist, high blood pressure,and sugars, and includes more low-glycemic fruits
high LDL cholesterol, low HDL cholesterol, elevatedand vegetables, fish, and lean meat can
triglyceride levels, and high fasting blood sugar.dramatically improve your insulin sensitivity.
As more Americans are carrying high-deductibleEat the Right Fat
health plans along with health savings accounts,We've talked in previous issues about the
many say they are beginning to pay moreseemingly miraculous health benefits of fish oil. Fish
attention to their health. Health savings accountsoil improves insulin sensitivity. Eskimos, who
(HSAs) allow you to put aside pre-tax money toconsume high quantities of fish oil, rarely
be used for future medical expenses. Becauseexperience diabetes, even though they are often
deposits grow tax-deferred and are not taxed foroverweight. Though the mechanism by which fish
medical withdrawals, if you fund your account andoil works isn't yet understood, many researchers
stay healthy, you could have hundreds ofbelieve that fish oil makes the cell membrane
thousands of dollars in your HSA by the time youmore "fluid", enabling the Glut-4 transporters to
retire.more easily move to the surface of the cell in
The fundamental metabolic disturbance thatresponse to insulin. Everyone who does not eat
seems to be common in almost all people whofish on a regular basis should consider taking a
have metabolic syndrome is insulin resistance.high-quality fish oil.
Insulin is a hormone that your body uses to moveSaturated fats and trans-fats, in contrast, make
the carbohydrate that you eat into your cells. Ifthe cell membrane more stiff and inflexible, and
you are insulin resistant, your cells don't respondalso reduce insulin sensitivity. Saturated fats are
well to insulin, and your pancreas has to producefound primarily in beef, pork, and dairy products
higher amounts in order to keep your blood sugarand trans-fats are found in processed foods.
from going too high. (Once your pancreas is noSaturated fats should be minimized, and trans-fats
longer able to keep up with this increasedshould ideally be completely eliminated from your
demand, you become diabetic.) If you are insulindiet.
sensitive, your body is responding well to smallerEat Enough Protein
amounts of insulin.If you're avoiding starches, you'll need to replace
Fortunately, metabolic syndrome is almost entirelythose calories with something else - that should
preventable. Avoid it, and you'll greatly increasebe lean protein. Protein satisfies your appetite
your chances of also avoiding cardiovascularmore than any other macronutrient, it increases
disease, breast cancer, colon cancer, prostatemetabolism, and it will contribute to weight loss.
cancer, stroke, and many other serious conditions.The best proteins are lean meats like turkey
Though all the mechanisms behind the metabolicbreast and chicken breast, lean beef, fish, and
syndrome have not been worked out, theeggs. And if you are overweight, nothing will
evidence is strong that combinations of severalimprove your insulin sensitivity faster than losing
lifestyle strategies are very effective insome weight. In fact, weight loss significantly
preventing this condition.improves all aspects of metabolic syndrome. Eat
Exercisethe right foods, and your body will tend to
Exercising does more than just burn calories ornormalize at the right weight without you having
build muscle. One of the most profound benefitsto count calories or starve yourself.
of exercise is its effect on insulin sensitivity. WhenTake Action
insulin is released in response to carbohydrateRemember, just reading an article has never
ingestion, glucose transporters come to themade anyone healthier. Though there are drugs
surface of the cell in order to carry the glucoseavailable to treat some of the symptoms,
into the cell. In muscles and fat cells thisdoctors have no pharmaceutical cure for
transporter is called Glut-4. Exercise itself helpsmetabolic syndrome, and almost all individuals
Glut-4 to move through the cell membrane to thebecome more insulin resistant as they age. It is
surface of your muscle cell, causing these cells tothe lifestyle choices and the actions that you take
be much more insulin sensitive. Even a single bouttoday to improve your insulin sensitivity that will
of exercise will cause your muscles to respondhave a powerful impact on the length and quality
more effectively to insulin.of your life.
Eat Low-Glycemic FoodsThe characteristic that many people like about
The glycemic index is a measure of how quickly aHSAs is that they reward those who take
food raises our blood sugar. The high-glycemicresponsibility for themselves. By putting aside
carbohydrates in the American diet are primarilymoney to pay for future medical expenses, you
the "white foods" (bread, pasta, rice, whiteare being a responsible citizen, and deserve the
potatoes, and sugar). These foods cause many oftax benefits that an HSA offers. Make the same
the changes associated with metabolic syndrome,investment in your health, and you'll not only have
including lower HDL levels, and higher triglycerides.the good health to enjoy your retirement, but
When a person eats these foods year after year,you'll also have plenty of money in the bank as
insulin levels remain chronically high. The result iswell.
that eventually the cells become less responsive