lenny wrote:
Your MRIs and PT are pocket change compared to the bills your inactive co-workers will rack up when they are diagnosed with diabetes and heart failure.
Your assumption that runners don't get diabetes and heart disease is faulty at best. I personally know two seasoned, experienced marathon runners who have had heart disease. My father had type 1 diabetes (which is more rare but MUCH more expensive that type 2), and that places me at a slightly higher than normal risk for that disease. And my dad died in his 60s, so I don't exactly have longevity on my side either.
If I were to be individually "priced" for health insurance, it would probably be very expensive. I get annual physicals, I go to orthopedists, chiropractors and physical therapists for various injuries, and I have a family history of a chronic disease. I doubt that would be offset by much for my 70+ miles a week, multiple marathons, and low BMI.