Get it on Google Play
Download on the App Store

How to Make Health Insurance a Bad Bet

Post written by Leo Babauta.

I’m a self-employed business owner, which means I need to buy my own health insurance — and even a high-deductible plan would end up costing me thousands of dollars a year for my family, which is a waste since my family uses almost zero medical services.

And that’s the rub: for people who are healthy and who must pay for their own insurance, health insurance is a bad bet.

That’s according to my friend Tynan, a former professional gambler. If you’re healthy, your odds of using more than your high deductible in medical services (say, a $10,000 deductible) are very low. You are highly unlikely to ever use that insurance. And so you are, in effect, throwing your money away on a bad bet that you might someday use it, even if that’s an unlikely event.

Now, don’t get me wrong: for many people, health insurance is a good bet. If you have health problems, or have a condition (obesity, tobacco use, etc.) that is likely to lead you to health problems, you should definitely have insurance. If your employer pays for 80% of it, then health insurance is probably a good option no matter what. If you can’t afford to pay for routine doctor visits and preventative care, and couldn’t cover costs yourself if you got into an accident, you should probably get insurance.

But if you pay for your own insurance, and you do the things that lower your odds of using expensive medical insurance (more than a broken leg or a routine doctor’s visit), and can afford to pay for things yourself, then it’s a bad bet.

Update: I’ve gotten a lot of negative feedback on this post. I’m OK with that, as I don’t expect everyone to agree with me and actually appreciate opposing viewpoints. It’s caused me to reconsider my recommendations in this post, so I’ll clarify my position here: I don’t recommend that most people forgo health insurance. This is what I believe is best for me and my family, and I offer this post as an alternative to the mainstream view. I hope you’ll give these ideas some thought, but don’t make decisions based on one person’s example. These issues are too important to just go with what I’m doing.

So here are the two questions to answer in this post:

  1. How bad a bet is it?
  2. How do you lower your odds of needing insurance, so that it becomes a bad bet?
  3. And what do I do if I ever lose that costly bet, and need a ton of health services?

Let’s answer these questions one at a time.

Just the summary: This is a really long post, but you can skip to the conclusion at the bottom if you just care about the actionable steps.

How Bad a Bet is Insurance?

The chances of most people dying of a heart attack are about 1 in 5. But for me, because of my diet, exercise, age, blood pressure and cholesterol levels, etc. … it’s less than 1 in 100. Think about that: if you bet on a roulette table with 1 in 5 odds, you might actually make that bet. But you’d be a sucker to bet on a 1 in 100 odds bet.

That’s for dying of heart attack, not being hospitalized for one, and there are plenty of other ways to be hospitalized. But it is an illustration of how being healthy dramatically changes the odds.

Let’s take a look at the most common expensive medical conditions:

  1. HIV $25,000
  2. Cancer $49,000
  3. Transplant $51,00
  4. Stroke $61,000
    5 Hemophilia $62,000
  5. Heart Attack including Cardiac Revascularization (Angioplasty with or without Stent) $72,000
  6. Coronary Artery Disease $75,000
  7. Neonate (premature baby) with extreme problems $101,000
  8. End-Stage Renal Disease $173,000
  9. Respiratory Failure on Ventilator $314,000

I can cross out HIV (no shared needles or unsafe sex), hemophilia (a genetic disorder), and a premature baby (Eva & I are done with babies). Heart attack and coronary artery disease are pretty much the same thing. End-stage renal disease is from kidney failure, usually from Diabetes Mellitus or long-term, uncontrolled hypertension (high blood pressure). Respiratory failure on ventilator is what happens after a long bout in the hospital with a serious illness, but it could be a variety of serious diseases.

Transplants are usually kidney or liver. Liver failure can be from many things, including long-term heavy alcohol use, viruses spread through unsafe sex and sharing drug needles, or other conditions such as diabetes, heart disease or obesity. Kidney failure is pretty much the same as end-stage renal disease, so again, diabetes and uncontrolled hypertension.

There’s also auto accidents and things requiring long-term care (usually Alzheimers & dementia, strokes or old-age-related frailty).

So that leaves us with the most likely expensive medical conditions:

  1. Cancer
  2. Heart disease
  3. Diabetes
  4. Hypertension
  5. Stroke
  6. HIV or something else caused by needles/sex
  7. Liver failure
  8. Auto accident
  9. Alzheimers & dementia
  10. Frailty

To figure out what your odds of getting these conditions is almost impossible, I’ve found. There just doesn’t seem to be any chart that will tell you your odds of getting a condition depending on what risk factors you have. But you can reduce or eliminate risk factors — stop smoking, eat healthier, exercise, don’t drink too much — and your odds of getting a condition goes way down.

The heart attack illustrates this — dropping risk factors such as cholesterol, blood pressure, weight, age, smoking reduced my odds from 1 in 5 to less than 1 in 100. That’s a dramatic difference in odds.

The same thing happens for other cases — if you don’t drive, for example, your odds of getting killed in an accident drops from 1 in 100 to about 1 in 700 for a pedestrian accident. If you smoke, your odds are 15-30 times greater of getting lung cancer or dying from lung cancer than if you don’t smoke, and actually smoking increases your odds of most cancers and major diseases such as heart disease and stroke. If you don’t smoke, don’t have high blood pressure, aren’t overweight, and eat healthy and exercise, your odds of getting a stroke go way down.

So the odds aren’t really something we can calculate with certainty, but we do know that by eliminating the major risk factors, our odds go down by a factor of 7-30 or so. Instead of having a 20% chance, we have a 1% chance or less (by best estimation).

That’s a bad bet. It’s not a good idea to bet on something that has less than 1% chance of happening, especially to bet thousands of dollars on it. You can bet a few dollars on the lottery that you’re willing to throw away (better not to, but OK), but why would you throw away thousands of dollars on this low-odds bet?

The only reason: fear. You’re afraid of the worst happening (even if it’s very unlikely), so you take the safe (but bad) bet. We’ll talk about how to address this fear below.

My family has used almost zero dollars in medical care in the last 5 years, since we started becoming healthy. We used to use a lot in doctor’s visits, emergency room visits, asthma breathing machine treatments, medicine, and more. That’s all gone. Now we just need vaccinations and some minor check-ups to make sure everything’s OK.

What you’re really throwing away: For my family, a high-deductible insurance policy can cost $4,000-5,000 a year (about $350-400 a month). For a smaller family, it would be less. A lower-deductible insurance policy costs a lot more. Assuming a monthly payment of $380 and an annual return rate of 8%, if you invest that instead of spend it on insurance, you’d have $250,000 in 20 years. More, if you adjust the payments upward for inflation. That’s a big amount to gamble on something where you have less than 1% chance of using.

Note on Obamacare mandate: The worst part of Obamacare (which I’m generally in favor of) for me is the individual mandate to have health insurance coverage. If you don’t (starting in 2014), you could pay something like $2,500 in fines for a family like mine. That forces me either to take this bad bet, or take a penalty for being healthy. I understand why this might arguably be a good policy for the nation in general, but for me it’s horrible. I’m thinking of forming my own super-healthy insurance cooperative by 2014.

How to Lower Your Odds of Needing Insurance

If we take a look at the major conditions that lead to expensive health care, above, we can take a look at the controllable risk factors, and then eliminate them. Note that there are risk factors out of our control — mostly genetics and race.

So first, let’s take a look at the Causes & Risk Factors, from the Center for Disease Control … note that for many conditions, there are other conditions that are risk factors — diabetes, cholesterol and high blood pressure are risk factors for heart disease and heart attack, for example. So we have to take a look at the risk factors for those conditions as well, and those are listed here:

  • Heart attack – bad blood cholesterol levels, high blood pressure, Diabetes Mellitus, tobacco use, diet high in saturated fat & cholesterol & sodium, physical inactivity, obesity, high alcohol use
  • Coronary artery disease (CAD, or heart disease) – same as heart attack
  • Stroke – high blood pressure, high blood cholesterol, heart disease, diabetes, being overweight & obese, tobacco use, too much alcohol
  • End Stage Renal Failure – usually from Diabetes Mellitus or long-standing, uncontrolled hypertension
  • Diabetes Mellitus – overweight/obese, genetics/race, high blood pressure (140/90 or higher), cholesterol with HDL (“good”) cholesterol is 35 or lower, or triglyceride level is 250 or higher, physical inactivity
  • Hypertension/High blood pressure – diabetes, diet high in sodium, not eating enough potassium, being overweight, physical inactivity, smoking, drinking too much alcohol
  • Bad blood cholesterol levels – age (rises with age), having diabetes, diet high in saturated fats, trans fatty acids (trans fats), dietary cholesterol, or triglycerides, being overweight, physical inactivity
  • Cancer – tobacco use, too much alcohol, excessive exposure to UV rays from sun/tanning beds, unhealthy diet, being overweight, physical inactivity
  • HIV – unprotected sex, sharing needles
  • Auto accident: being obese (read more), being a young driver (16-24 – read more), smoking marijuana (read more), distracted driver, fatigued driver, drunk driving, speeding, aggressive driving, bad weather conditions, driving at night (read more for leading causes)

Summary – non-condition risk factors: These are the risk factors that we can control:

  • tobacco use
  • being overweight/obese
  • physical inactivity
  • diet high in saturated fat & cholesterol
  • diet high in sodium
  • too much alcohol
  • too much exposure to sun
  • unprotected sex/sharing needles
  • driving safely or at all

So how do you lower your odds? By eliminating the risk factors that you can control. We’ll talk about that in the conclusion.

There are a couple long-term care conditions, such as Alzheimers, dementia, and frailty, that aren’t mentioned here. We’ll address those separately in the conclusion as well.

Does dramatically lowering your odds mean you’ll never get sick or injured? No, of course not. Even if you did everything perfectly, you could still get hospitalized. People who seem perfectly healthy from doing all these things get heart attacks — they just get them far less often.

And yes, eventually you’ll get something. As you get into your 50s, your odds go up, and into your 60s, they go up a lot. Most people who have heart attacks or cancer are in their 60s or older. Same thing for frailty, Alzheimers, hip fractures, etc. As you get older, it gets very likely you’ll need expensive health insurance. But I’m 39, and my family is younger than that, so we’re not in serious danger at the moment.

Fear & the Worst-Case Scenario

So if we can dramatically lower our odds by eliminating the main risk factors, why would anyone get health insurance? If you’re perfectly healthy and likely to stay that way for awhile, then the answer is simple: fear.

Fear is the motivator for insurance. And it’s not a rational motivation. What’s a more rational approach? Well, what if we looked at this unlikely worst-case scenario, and thought of other possibilities?

  1. I could raise funds by creating a powerful product and asking all of you for help. I don’t like asking for help, but it’s not likely I’ll have to do this.
  2. I could sell Zen Habits. I wouldn’t like to do that, as I truly love this blog and its wonderful readers, but honestly, there is almost nothing in this world that I couldn’t let go of if I had to.
  3. I could go broke, and start again anew. I’ve done it before, and it’s not that bad. My family wouldn’t really suffer, as we always have other family and friends to stay with temporarily if we really needed it.

These aren’t the best, but they’re also not life-and-death. When you take the irrationality out of the decision-making process, you can see that the worst isn’t that horrible. And the worst is very unlikely.

There is the case of needing medical care that might cost a few hundred dollars, or even a few thousand dollars — if you don’t have insurance, what do you do? Well, we self-insure — meaning, we just pay for these expenses. We don’t have a lot of them at all (basically nothing in the last five years), but we have saved a lot of money from not having insurance, so we put that in the bank (and invest it). This kind of savings/investment plan is important, because if you just use the money you would have spent on health insurance on shopping or other kinds of expenses, then you’ll have nothing saved up for when you need to go to the doctor.

So what if you get into a bad accident or get some unexpected disease? Isn’t this invitation for bankruptcy? Well, how often has this happened to you? In my 39 years, it’s never happened, and most people I know haven’t faced this either. Again, let’s use rational arguments instead of fear.

Conclusion: Ways to Lower Risks

So, for those who skipped to the end, let’s take the controllable risk factors, and eliminate them by doing these steps (please note that this isn’t medical advice, as I’m just a writer not a doctor, but it’s based on research from the CDC, Mayo Clinic, American Cancer Society and others):

  1. Don’t smoke (read my quit guide, written nearly 6 years ago)
  2. Don’t be overweight (healthy BMI, waist measurement of less than 35 inches in women and less than 40 inches in men)
  3. Eat healthy (plant-based diet, lots of fiber, not a lot of red meat, saturated fat or animal fat)
  4. Exercise (at least 30 mins daily)
  5. Don’t drink too much alcohol (limit to 1-2 glasses for women, 2-3 glasses for men)
  6. Keep your blood pressure at a good level (eat healthy, low sodium, no smoking, exercise, limited alcohol)
  7. Keep your cholesterol numbers good (total cholesterol below 200 mg/dL, HDL or good cholesterol 60 mg/dL and above, triglycerides below 150 mg/dL)
  8. safe sex and don’t share needles (HIV, some cancers)
  9. avoid things that could irritate your lungs, like dust and strong fumes, and secondary cigarette smoke
  10. regular screenings for cancer, blood pressure, cholesterol, etc.
  11. drive safely or not at all (go at speed limit or below, don’t drink & drive or smoke marijuana, don’t be distracted or too tired, try not to drive at night, drive cautiously and not aggressively)
  12. Alzheimers & dementia – decrease odds through regular exercise, low-fat diet, healthy weight, active brain that learns new things (languages, dancing, etc.), staying involved in community.
  13. Frailty – stave off frailty through aerobic and also weight-bearing exercise, and exercises that improve balance — walking, yoga, tai chi, pilates.

And since some of those (blood pressure, cholesterol, Alzheimers, etc.) have the same recommendations as what’s already recommended elsewhere on the list, let’s boil it down:

  1. Don’t smoke
  2. Eat healthy – plant-based diet, low in saturated and animal fat, lots of fiber
  3. Exercise regularly (aerobic & weight-bearing exercises)
  4. Keep yourself at a healthy weight by eating healthy and exercising
  5. Don’t drink too much
  6. Have safe sex and don’t share needles
  7. Drive safely or not at all (my family is car-free)
  8. Have regular screenings for cancer, blood cholesterol and blood pressure

Our family does all of these things, and so for us, health insurance is a bad bet. And aside from the insurance question, we enjoy a healthy life and love feeling good, being active, eating delicious plant food, and walking instead of driving.

Eva & I enjoy 1-2 glasses of red wine at night, though the kids weirdly don’t have a taste for it. I guess some things are just inexplicable.

In addition: You should also build up savings/investment of at least a few thousand, and much more if you can, for unexpected medical needs. And finally, figure out a rational worst-case scenario plan.

Simple Fitness Habit

If you need help with the eating and fitness habits, as I noted last week, I’ve created a new course with a group of great experts called Simple Fitness Habit. It’s now open, so check it out!

Zen Habits

Leo Babuata
Neither Averting Nor Craving in Each Moment How Taking Care of My Finances Changed My Life Tips for Traveling with Kids My Grand Travel Experiment The Parent I Aspire to Be The Best & Less-than-Best Motivations for Learning The Miracle of Suspending Mis-Belief 7 Strategies for Dealing with Toxic People Finding Motivation on Important But Non-Urgent Tasks Learning Tips for the Top 8 Learning Challenges The 30-Day Learning Challenge The Place Where You Are Feeling Determined to Change Practicing Non-Judgment Hold Your Own Feet to the Fire Don’t Waste Your Opportunity How to Beat Procrastination with Daily Training The Time When We’ll Be Present & Content A Simple, Powerful Self-Compassion Method When Others Frustrate You Your Internet Habits Create Your Reality The Case for Replacing Exercise with Play Leave Yourself Wanting More Fail Faster at Habits The Anti-Bucket List Getting Started with the Discipline Habit The Case for Caring About Your Work Questions of Priority The Futility of Always Pushing Myself to Be More Pare Down with the Declutter Habit You’re Not Doing Life Wrong Getting Lost in Just Doing An Addict’s Guide to Overcoming the Distraction Habit The Source of Contentment Savor Discipline: Merge the Interests of Your Future & Present Selves What You Can Say Instead of “I Don’t Feel Like It” The Things That Get in the Way of Doing The Girl Who Saw Through the Illusions A Gradual Approach to Healthy Eating Unconditional Acceptance of Yourself My Typical Day: How I Get People to Think I’m Productive The Contentment Habit The Delightfully Short Guide to Reading More Books In Praise of Limits The Art of Being My Dad 5 Ideas to Create an Amazing 2015 Essential Zen Habits of 2014 Karate Chop Practicing Slowness & Being Present Overwhelmed by All the Changes You Want to Make My 2014 Successes and Failures Finding the Motivation to Change Your Entire Life When You’re Lonely The Brain’s Fast Mode 5 Questions to Simplify Your Life During the Holidays The Zen Habits Holiday Gift Guide The Four Hidden Habit Skills The Power of Delay Overwhelmed & Rushed? Do a Stress Assess Writer as Coder: The Iterative Way to Write a Book Please Support the Zen Habits Book Are You a Lift or Drag Force? When Resistance Smacks You in the Face When Your Plate is Too Full The Quickstart Guide to Quitting a Bad Habit The Zen Habits Book is Almost Done A Quick Guide to Gaining Confidence When You Socialize The Empty Container The Realization A Guide to Changing Self-Destructive Behaviors Pushing Past the Terrifying Dip in Motivation It’s Not Too Late to Change Bad Habits The Smart Way to Stick to Habits My Most Effective Learning Tools What I Do When I Fail How to Put Your Writing in Public The Productive Sprint The Biggest Reasons You Haven’t Changed Your Habits Seized by the Thunderhold of Fear What to Eat for Fat Loss The Heartbreaking Cruelty of Comparing Yourself to Others A Brief Guide to Overcoming Instant Gratification How to Get Motivated After a Vacation 7 Strategies for Facing Your Internet/TV Addiction How to Breathe 7 Discipline-Mastering Practices 7 Rules That Keep My Life Simple An Education in the Majestic Sierra Nevada The Lies Your Mind Tells You to Prevent Life Changes How to Believe in Yourself Don’t Waste a Moment How to Find Your Life Purpose: An Unconventional Approach How to Be Great Making Yourself Work Inhabit the Moment How to Master the Art of Living The Delusional Fantasies We Live With Each Day Living the Simple Life How to Be Prepared for Anything Turn Toward the Problem The End of the Day Philosophy The Painful Beauty of Impermanence How to Change Other People Pursuing Happiness When It’s Already Within You The Quickstart Guide to a Decluttered Home Parental Zen: How to Keep Your Cool as a Parent Looking for Love How to Stop Your Habit Changes From Getting Derailed Why We Have Regret The Essence of Fatherhood: 6 Simple Lessons A Call for Revolt: Advertising is the Anti-Minimalism The Frustratingly Slow Pace of Making Changes My Struggles with Eating Boring Food The No Procrastination Challenge Creating a Lovely Morning A Father’s Manifesto: Raising Young Men Who Respect Women Turn Inspiration Into Action Coming Back From a Setback The Gift A Guide for Young People: What to Do With Your Life No Excuses: Minimalism with Kids How to Make a Marriage Work Love Notes Flavorless: My Month of Food Boringness The Letting Go Ebook, Free The Miracle of the Self-Compassion Habit How I Tackle a Big Writing Project The Habit Action List The Reality of This Moment Confidence in Your Business 10 Ways to Do What You Don’t Want to Do On Making It Through Tough Journeys The Hard Stuff Often Matters Most What to Think About During Exercise You’ll Be OK The Most Important Two Minutes of Your Life A Call for Compassion for the Defenseless The Cure for Your Distraction Syndrome You’re Not Worse Than Other People Being Mindful of Your Stress What if You Didn’t Have to Worry About Yourself? The Universe of a Single Task Simplifying Is Painful Becoming Emotionally Self-Reliant How I Cleaned House & Simplified My Work Life The Busy Person’s Guide to Reducing Stress My Month Without a Smartphone What I’ve Learned as a Writer What the Exercise Habit Did For Me Fear is the Root of Your Problems This Moment 36 Lessons I’ve Learned About Habits The 3 Do-What-You-Love Conundrums How I Conduct My Business Constant Task Switching The Habits of Five Amazing Founders The Incredible Importance of Sleep for Habits & Motivation What Really Motivates Us to Stick to a Project? I Tried to Quit & It’s Too Hard! Unwired: A Month With Limited Internet, & Now No Cell Phone Procrastination is a Mindfulness Problem Letting Go of Judging People Don’t Scratch the Itch Become Happy in the Face of Physical Misery How Repetition Can Kickstart a Habit Zen Productivity When You’re Feeling Self-Doubt & a Lack of Motivation The Child That Holds Us Back Stateless Mindset My Month of (Almost) No Internet 12 Changes for 2014 Essential Zen Habits of 2013 The Fear of Being Alone The Calm Approach Things Every Man Should Own Family Gatherings: The Ultimate Mindfulness Training Ground Letter to an 18-year-old on the Career Path Less Traveled A Method to Find Balance 16 Surprising Lessons from My First 50-Mile Ultramarathon The Simple Fitness Habit Holiday Challenge Struggles with My Morning Internet Fast Surrender, Mindfulness & Entrepreneurship How I Learned to Stop Procrastinating, & Love Letting Go Finding Focus When You Run Out of Ideas The Necessary Art of Subtraction Jealousy & Suffering How Creativity Works, & How to Do It Self-Discipline in 5 Sentences Make It Your Job Developing Selfless Compassion Lyrical Learning, & Why We Learn Habits Wrong A Month Without Sugar Why I Read (+ a Dozen Book Recommendations) 12 Indispensable Mindful Living Tools Burn Down the Farm My Most Minimal Travel Setup Yet The Exquisite Habits of the Founder of Blue Bottle Coffee 3 Little Tricks to Deal With People Who Offend You My Healthiest Travel Routine Yet Startup Founder Megan Casey’s Habits of Priorities My Pursuit of the Art of Living A Month Without TV or Video The Way of No Debt Letting Go: How to Live With the Loss of a Loved One The Way to Be Ramit Sethi’s Entrepreneurial Habits The Time to Shut Down The Pain & Beauty of Life Changes 8 Creativity Lessons from a Pixar Animator Zen Mountain: Leave It All Behind Overcoming the Social Costs of Being Different Finding Quiet and Mindfulness Through Food My Failed Month of ‘No Sitting’ The Thinking Habit That Changed My Life Liking Healthy Foods is a Choice Unschoolery: My New Blog on Unschooling My Advice for Starting a Business Creating Your Habit Environment Travel Lessons with My Family Easier Decision-Making: Conduct Experiments Simplify: Let Go of Your Crutches The Fear of Being Found a Fraud The Flexible Mind Declutter Your Life A Month Without Coffee The Healthful Vegan Diet Living the Quiet Life The Art of Tasting Chocolate Mindfully Why Fear of Discomfort Might Be Ruining Your Life The Habits of Happiness How to Keep Habits Going During Travel A Year of Living Without The Key Habits of Organization I Failed Vegan Guide to San Francisco The Futility of Comparing Yourself to Others A Secret to Dad Greatness Habits: A Simple Change in Mindset Changes Everything The Worry That You’re Doing the Wrong Thing Right Now 6 Steps To Being More Creative How I Finally Faced My Weight & Debt Problems Working with the Obstacles in Your Path 9 Rules for a Simpler Day The Little Book of Contentment The Obstacle is the Path 5 Lessons in Contentment from Billionaires Warren Buffett & Charlie Munger Smile in Each Moment A Guide to Practical Compassion 6 Steps To Healing Yourself The 7-Day Vegan Challenge Why You Should Write Daily Achieving Without Goals Flowing with the Stresses of Kids (or anyone else) Habit Mastery: Creating the New Normal Defeat Distraction: Refocusing with Purpose Expanding the Envelope: A Method for Beating Anger A Guide to Practical Contentment The Practice of Work Mind & Vacation Mind, Simultaneously How to Eat Real Food Without Spending Hours in the Kitchen Quitting Your Habits The 38 Best Methods of Successful Exercisers How To Make It Impossible To Fail The Not Knowing Path of Being an Entrepreneur How to Change Your Life: A User’s Guide Getting Your Family On Board with Life Changes How to Stick to a Habit When Life Falls Apart Zen Mind in the Middle of Chaos & Stress Create a Sacred Space in Your Heart Meditation: The Most Fundamental Habit Creating the Genuine Connections We Long For Tremors of Psychitude: One Little Trick to Find Purpose and Motivation Create the Habits of Being Lean, in 7 Years Walled-in: Life Without Facebook The 7 Habits of Calmness The Four Habits that Form Habits Advice to My Kids My 10 Essential Email Habits The Daily Checklist Sticking to a Habit: The Definitive Guide The Meditation Diet: How I Lost 60+ lbs. by Savoring The Power of Habit Investments Discomfort Zone: How to Master the Universe The Most Successful Techniques for Rising Early Do Less: A Short Guide How to Savor Life What We Lack in a Hyperconnected World Simplify the Internet 12 Rules to Live By The New Rules of Fitness for 2013 52 Changes for 2013 The Unprocrastination Month, and the Relaunch of the Sea Change Program Essential Zen Habits of 2012 The Other Person is Never the Problem The Do Plan, or Why We Know But Don’t Do 28 Brilliant Tips for Living Life The Clutter-free Holiday Guide The Little Trick to Make Any Moment Better Tim Ferriss vs. Leo Babauta Showdown: On Whether Goals Suck The Work You Love is Waiting For You The 7-Step Method to Find Focus for Writing The Buy-Nothing Holiday Survival Guide Challenge: Buy Nothing Until 2013 How to Learn Anything Shaken By Life’s Beauty, Shaken Untrack: Letting Go of the Stress of Measuring 15 Great Excuses Not to Form the Fitness Habit How to Make Health Insurance a Bad Bet Why the Fitness Habit is More Important Than the Plan The Willingness to Think Differently Create a Superhealth Community A Vegan Tour of NYC