@thmssllvn There was a congressman on TV the other day saying that very thing; why should people who get regular checkups and take care of whatever health problems may arise PAY the same premiums as those obese smokers with uncontrolled diabetes?
Even car insurance is reduced by ‘good driver’ points or by attending driver safety courses, right?
Unfortunately, people only feel the need to do something when they are either forced by circumstance or hit hard in the pocketbook!
Phil

@thmssllvn The annual FAA medical exam can't catch much (other than high blood pressure) if the pilot doesn't complain. There's no blood test required (which might catch cholesterol issues). Given the FAA's hyper sensitivity about many medical issues, most pilots don't volunteer much in their FAA exam. The FAA used to mandate a rectal prostate exam for every man at any age, until common sense stopped that. There are other silly examples (provided upon request).

Some pilots with minor medical issues have two doctors, one for the exam, & one for their health. However, hiding those visits from the FAA can get you in big trouble.

From the standpoint of this discussion, the big benefit is that pilots are used to getting medical exams, & most are sensitive to dealing early with any medical issues that might end their career.