"There's a direct correlation between lifestyle and health costs."
Show us the research that these costs materialize during your working years. They don't. The only action that saved you money is not using healthcare.
Where did I say I didn't use healthcare? I get a comprehensive physical every 2 years (and not just a pilot med, but a real one). I contribute $4K/year pre-tax to my HSA to fund future healthcare expenses. Your reading comprehension makes me think you need a cat scan.
Here's your scientific correlation...
Differences in health care costs and utilization among adults with selected lifestyle-related risk factors. (mean age of 32)
http://www.ncbi.nlm.nih.gov/pubmed/11913328
http://thomsonreuters.com/content/healthcare/pdf/white_papers/Obesity_in_Workforce_Brief
http://www.soa.org/library/proceedi...ctuaries/2000-09/2005/june/rsa05v31n227pd.pdf
Like transferring flying from Delta to DCI....easy.
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