Pools are interesting to think about. Quick story. Once upon a time I was in a Contract-to-hire position where the contract house (CH) was paying my salary/etc

Pools are interesting to think about. Quick story. Once upon a time I was in a Contract-to-hire position where the contract house (CH) was paying my salary/etc until I was on-boarded. However, this was a small shop, they had 3 people running the business and less than 2 dozen contractors under them at a time. Between the Owner's Knee surgery, and some health issues I had had years prior, the CH's premiums were going to jump by 200$ (both on their end and the employee's). Thankfully they were able to find another insurance provider, but it was a pretty clear cut example of how sick people in the pool can sway costs by a large amount. That's part of why a lot of US companies now will give you discounts for various wellness tasks. My BIL's company offered an insurance credit just for taking a smoking cessation course (not even STOPPING.)