%% Excellent question. I think , the same way someone with a net worth of $15 million does. See Jack Lalane. Good health is not an accident+ its like my banker dad said ''son accidents do not just happen, they are caused.'' I smoked for about 7 years but your body was created for health also. IF someone smoked all his life, maybe different, even though George Burns burned cigars all his life, but swimmed , walked a lot, died , passed 100years. For sure find better than Medicare. Hope this helps Neworldm, it helps me.