Many of us are familiar with the idea of being independently wealthy, but what does it mean to be independently healthy? Health independence is the ability to maintain your physical and mental wellbeing without relying on external support.

If you want to be independently healthy, you need to eat well, exercise often, sleep soundly, and manage your stress. Having this knowledge is one thing, but using it is another. The reality is that 40% of Americans suffer from two or more chronic illnesses, and 3 out of 4 Americans are overweight or obese. It's also much easier to be independently healthy when you're young, whereas when we're older we need more support.

Your medical insurance company does not exist to help you be independently healthy. For many, an expensive plan can mean throwing money into a black hole, never to be seen again. You could instead invest in a less expensive plan and save extra on the side so that you have that additional cost if and when you need it.

Your insurance likely won't cover a lot of the preventative and proactive measures that keep you healthy like vitamins, hormone replacement therapy, and more. Your insurance will probably cover you for a significant medical event—like a heart attack—but waiting for the worst case scenario isn't an ideal use for insurance money.

The medical insurance industry tends to over promise and under deliver. I'm not saying to forgo any medical coverage at all, but I am highlighting the importance of considering your health costs and encouraging you to think about budgeting for your health care differently.

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