Health care (individual) solution

From Marketplace:

Half our health care costs would disappear, Feinberg insists, if we stopped smoking, ate less, exercised more and consumed less drugs and alcohol.

I wish the money side of this problem was this easy to solve.  Whatever our solution to health care may be, a very big part of it will include personal responsibility to lead healthier lives.  Incentivizing patients to make better decisions will help.