Everyone is shaped differently. A lot of ads want you to think that being healthy means having no fat storage, but that's just not true.
You may not have the love handles and/or muffin top because you weigh too much; you might just need to tone your muscles and they will go away.
Yea sometimes you loose weight and are healthy and if you were or are fat they dont go away 100%. This doesnt mean you are not healthy.