1. A system for forecasting the consequences of healthcare utilization choices comprising: a processor; and a memory coupled to the processor, the memory having stored therein instructions which when executed by the processor perform a process for forecasting the consequences of healthcare utilization choices comprising: obtaining electronic data representing personal and family health information associated with a user, the data being obtained over a network from at least one healthcare provider, the data comprising any historical and present user illnesses, user injuries, user surgeries, user's actual healthcare utilization, healthcare insurance coverage utilized by the user, medications taken by the user, familial genetic disorders, and compliance with recommended healthcare routines, regimens, programs and medications; generating a personalized disease predisposition profile based at least in part on the obtained data representing personal and family health information associated with a user, the personalized disease predisposition profile comprising a determination of the user's predisposition to disease, and risk factors the user has to particular diseases; performing a healthcare utilization analysis using the generated personalized disease predisposition profile; generating a healthcare utilization consequences report based at least in part on results obtained from the healthcare utilization analysis, the healthcare utilization consequences report indicating one or more recommended lifestyle changes or behavior changes, a projected longevity, and an estimated future quality of life; providing the healthcare utilization consequences report to the user; receiving input from the user indicating one or more of the recommended lifestyle changes or behavior changes the user intends to implement, the system being operative to recommend exercise for at least a minimum number of minutes per day, taking particular medication, avoiding high cholesterol foods, losing weight, taking a daily dose of aspirin, and quitting smoking, based on whether the particular recommendation is appropriate according to the healthcare utilization analysis; and updating the healthcare utilization consequences report according to a model which accommodates the one or more recommended lifestyle changes or behavior changes the user intends to implement, the system being operable to update the healthcare utilization consequences report indicating any changes in projected longevity, any changes in the estimates future quality of life, and any cost/benefit of implementing the one or more recommended lifestyle or behavior changes.