No they would not be taken into account. State insurance regulators have always put restrictions on what health insurance can take into account. Insurers have never been allowed to price in the full actuarial risk of smokers, the obese, poor health choices and so on. That is true whether you are talking about the individual market or group coverage. For example, has your employer ever charged anyone overweight or obese more? I doubt it. Even though they are a much higher risk the insurer. Any other kind of insurance, they would be charged more. They may not be charged as much more in a group plan as they would in the individual market, but they would still be charged much more (similarly, your 16 year old son's auto insurance is higher if he were to individually get insurance than if he were to be part of your plan which probably bundles your home with it. Yet, just the same, his portion of your overall premium is much higher than yours is.)
Property and casualty insurance always works by insuring an asset for the value of that asset. For example, your car is insured for the fair market value of that car. Your home is insured for the cost of rebuilding your home on the same land it sets on, plus the value of the assets in it. In the case of your vehicle, its a rapidly depreciating asset and thus its worth less every year, and the amount of money insurer will pay for it's repair before considering it a total loss is less every year. If health insurance worked like "real insurance", your body would be an asset insured to the value of that asset and no more. Someone that is highly paid and has a decade or more of work before retirement would have a very high value. In contrast, someone that was retired, lower paid, or a child would have a much lower value before they would be considered a total loss. That is how real insurance works. Moreover, that is how personal injury works. If you were to kill a child in a negligent accident, the settlement / judgement will be lower than if you were to kill a 38 year old heart surgeon in an accident. If you were to negligently kill an 85 year old in an accident, the eventual settlement / judgement will be much lower than if you were to kill a young professional. We allow courts to put a value on your life. We allow regulatory agencies to put a value on your life. We allow every form of insurance other than health insurance to put a monetary value on your life. We do not allow health insurance companies to do so and never have. That's why it isn't real insurance and never has been. It should have never been called insurance. It should have been called health plans or something else from the start.
