" 'Excellent health, ironically, can actually raise an individual's lifetime health spending' simply because healthier people can generally expect to live longer ... [A] 65-year-old man with Type 2 diabetes should have about $88,300 accumulated for medical costs, versus $114,900 for a tobacco user and $143,800 for someone in good health. The reason: With diabetes, his life expectancy is 78, versus 81 for a tobacco user and 87 for a 65-year-old man in good health.... While healthier people can generally expect to pay higher lifetime medical bills, their projected monthly and annual health-care expenditures are below those of people in poorer health."

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