Well, and I pointed out that those sources don't explain the variability in what men pay versus women in insurance. Healthier does mean less cost to the insurer... think about it man... If what you say is true.. then insurance companies should be charging that average boozing chain smoking man... LESS than the average non chain smoking boozing man.. right? If being healthier and living a healthier lifestyle does not contribute to lower medical costs... then why do insurance companies punish those insured that have less healthy lifestyles .. ie smoking, obesity and alcohol use... Please explain that... according to you.. the insurance companies should be telling people to smoke, drink and be as unhealthy as possible to lower their healthcare costs.