This insurance costs is something I don't get. Each employee costs the same, there is no requirement by insurance to disclose smoking or drinking or anything else.
Life insurance does, but not health. Co-pays also are the same.
You are correct. The cost of ins. coverage to any employer is not predicated on the number of individuals who are deemed to be partaking in "risky" lifestyles! Period!
Employers who cover employees with health care pay group rates negotiated by the company and their chosen insurer. So for this jackass to make the claim that he is attempting to cut his insurance costs is a BLATANT OUT AND OUT LIE!