Is it legal? I’m not an attorney, however, I will tell you this: IT’S THE FUTURE…some call this life-style underwriting, others call it wellness management and the fact of the matter is that many companies are winning big time in implementing these concepts. Many fortune 500 companies are charging employees more if they are not healthy. This new concept can be done positively, and without hurting employee moral. If you want to know more about the program, O&A is involved in these new concepts and they are wildly successful.