[aggronn]

Insurance companies usually offer benefits. Many plans offer reimbursements for gym memberships, discounts for companies that drug test, etc.. Moreover, the average cost of an group is a function of the health of its members--the healthier the company can get it's employees, the lower premiums are for everyone, because its less risky to insure.

[theforceawakens]

Thanks. Do you have any specific advice in terms of how this "better incentives-better rates" thing works?

[aggronn]

Typically when you shop around for insurance, your agent will make you aware of whatever benefits/incentives are available to you through the specific plans. In terms of keeping overall cost of your plan down, just do whatever you can to make sure they don't get sick/go to do the doctor and use insurance. A high deductible would be beneficial, for example.