age in years
=1 if male, =2 if female
annual family income
years of education
self report health,1=excel,2=vgood,3=good,4=fair,5=poor
body mass index
total annual expenditures on medical care
dummy variable, =1 if current smoker
=1 if white non-hisp,=2 if black nonhisp,=3 other race,4=hispanic