They would consider location & look at the group as a whole. Too many fat employees would raise their rates.<quoted text>
Group insurance policies, which most employees have, do not consider any personal habits. They consider only the claims experience of the group.
Lots of healthy-eating and extremely fit people have chronic illnesses and/or drop dead of heart attacks at a young age.
Why do you think some companies offer incentives for employees to get healthier.
If those young people have chronic illnesses, insurance companies will either opt not to insure or charge more.