[Harmless Teddy Bear]

You are correct.

Homosexual men are the biggest drain on the system.

Parents of small children in general are a drain and not just from medical insurance.

Your best employee is a normal between late 40-60. Smoking is actually irrelevant. Smoking costs do not show up until late 60s usually. By which time they are on Medicare.

[Alberta's Child]

I do business with a company whose owner built his business model around reducing medical insurance costs.

Almost all of the employees fall into two groups:

1. Young adults right out of college, up to age 25 (they stay on their parents' medical insurance plans until age 26).

2. Older retirees who are covered by Medicare and/or other retirement-based medical plans from their prior jobs.

I give someone like this a ton of credit for figuring out how to play a rigged game to his advantage.