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U.S. limits how much premiums can vary due to a small group’s health status and industrial grouping. Even within these limits, however, premiums can be significantly higher if someone in your small group has a serious health condition or if the group is involved with a high-risk industry. In addition, premiums can vary based on age and other characteristics of those in your group.

Don't be misled by agents who say your health history is not important. Make sure you fill out the application completely and accurately. If an agent fills out the application for you, don't sign it unless you have read it and made sure that all the medical information is correct. Revealing your medical history is very important. If the information about your health is wrong, the company can refuse to pay your claims and can even cancel your policy.