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We've always known that what you eat and how you live will affect your health, but just to make sure, researchers at the University of Cambridge and the Medical Research Council have decided to prove it. And along the way, they've also proved how individual choices are also impacting our medical insurance coverage.

According to the article at US News and World Report, people who make four healthy lifestyle decisions "live an average of 14 years longer than people with none of those behaviors." What are these magical four decisions? Not smoking, physical activity, moderate alcohol consumption, and eating five servings of fruit or vegetables a day.

Now, we've been told this before, mainly by every health professional in the country, but for the first time we've got a solid answer to look at: 14 years is a long time. And more, we can also now see how these lifestyle decisions impact medical insurance coverage.

After all, if you aren't following the doctor's advice, and you're smoking, or sedentary, drink too much, or don't eat fruits or vegetables (or all of the above), how can you extend your lifespan?

Answer: medical insurance coverage, or medical debt, probably both.

These are the people that need to rely on life saving medications that cost a bundle. And, then there are the costs of dealing with preventable diseases like cancer, diabetes, and heart disease. Instead of choosing healthy behaviors, we're too busy choosing expensive medical treatments, which cost us, and anyone else with or without insurance, a lot of money.

This is why it's important to make healthy lifestyle decisions. Not just for the 14 healthy years you'll enjoy, and not just because it makes it easier to qualify for insurance in the first place, but also for the many dollars you'll save when you can avoid the financial disaster of medical debt.