Here's a blatantly obvious way to do it, and another reason I want gov't out of (most) healthcare. Let people, including the lazy and ignorant, decide for themselves how to be unhealthy.
http://www.realclearhealth.com/vitals/2016/09/08/study_exercising_saves_an_individual_around_em2500em_per_year_in_health_costs_272858.html