---- Acknowledgments ----
We thank Jon Skinner, Tom Mroz, Matthew Harris, Melinda Pitts, Peter Savelyev, and seminar participants at the Atlanta Federal Reserve Bank, University of Tennessee, 2018 Workshop on the Economics of Risky Behavior, 2018 American Society of Health Economists Conference, 2018 European Health Economics Association Conference, IUPUI, Southeastern Health Economics Working Group, and UNC-Chapel Hill. The Framingham Offspring Study (FOS) is conducted and supported by the National Heart, Lung, and Blood Institute (NHLBI) in collaboration with the FOS Investigators. This manuscript was prepared using a limited access dataset obtained from the NHLBI and does not necessarily reflect the opinions or views of the FOS or the NHLBI. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.