Question

What is your opinion about companies that charge higher insurance premiums for their employees who have health risk behaviors (i.e Obese, Tobacco Users, etc.)?

Answer 1

It makes sense to me.

Answer 2

I agree that it makes sense but once you start charging different people different rates you set a precedent for not treating people equally. Other factors may not be under the employee's control such as hereditary disease risks. Do you charge those at risk employees higher premiums? You picked factors that are the employee's own fault, but the company might not do so.