How to Use Your Health Savings Account to Slow Down

One of the best aspects of having a Health Savings Account is that you can control your medical care. If you want to have a medical test or procedure done that is not covered by your health insurance, you pay for it with pre-tax money from your health savings account. One of the processes of aging that scientists have been learning more about in recent years is glycation, and the formation of Advanced Glycation Endproducts, or AGEs. Here's how to reduce this harmful process, and a simple test you can pay for from your Health Savings Account to see how you're doing.

What is "Glycation" and what are AGEs?

When we take a piece of bread and put it in the toaster, it slowly turns brown. This is the result of a natural process called the "Maillard reaction", in which sugars react with proteins. It is this process that gives flavor to beer, pizza crust, and roasted coffee.

The same process naturally happens in the human body. (So in a sense, we all slowly "brown" as we age). When a protein in your body is "glycated", it has a sugar molecule attached to it, and can then bond to another protein in your body in a process called "cross-linking". These damaged proteins result in the formation of Advanced Glycation Endproducts.

Exposure to AGEs in the body contributes to inflammation and to a large variety of age-related diseases, including cataracts, joint stiffness, Alzheimer's disease, and cardiovascular diseases. Some AGEs increase the risk of auto-immune diseases such as rheumatoid arthritis, and others increase the risk of cancer.

Reduce AGEs in your Food

When experimental mice are fed a low-AGE diet, they have better cardiovascular health, better kidney health, better blood sugar management, and they live longer. AGE formation is increased when foods are cooked at high temperatures, and for longer periods of time. You can significantly reduce AGEs created in food preparation by using boiling, poaching, or stewing rather than frying or grilling.

So one strategy is to simply reduce your consumption of "browned" foods. So for instance, fried shrimp will have way more harmful AGE compounds than boiled shrimp.

How to Reduce AGE Formation in your Body

AGE formation is particularly high in diabetics, due to uncontrolled sugar levels in the body. This is one of the reasons why they suffer from increased rates kidney disease, vision loss, and cardiovascular disease.

Millions of Americans who have not been diagnosed as diabetic still have glucose handling difficulties, typically diagnosed as "metabolic syndrome". It is becoming more and more evident that a diet low in foods that raise blood sugar rapidly (typically the "white" foods like bread, pasta, rice, and sugar) will reduce a person's risk of diabetes or metabolic syndrome. This in turn will also reduce your body's AGE formation.

Supplements You Can Take

Numerous dietary supplements have now been shown to reduce glycation, cross-linking, and AGE formation. Some experts recommend the following supplements, typically 500 mg to 1 gram of each, per day:

· Carnosine

· Benfotiamine

· Alpha-lipoic acid

· Acetyl-l-carnitine

· Curcumin

If your health care practitioner recommends supplements for the prevention or treatment of a specific health condition, you can pay for them from your Health Savings Account.

A common blood test that diabetics have done is Glycated Hemoglobin A1c. This measures how much the red blood cells have become glycated over the past one to three months, and is seen as an indicator of average blood sugar levels.

Stay Healthy, Grow Your Health Savings Account

So be proactive - fund your HSA to the max, do what you can to optimize your health, and let your account grow.

By Wiley Long – President of HSA for America (http://www.health--savings--accounts.com ) - The nation's leading independent health insurance firm specializing in individual and family coverage that work with Health Savings Accounts.