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In a 2002 study of 135,000 current and retired employees of a large company, individuals with low risk factors (e.g. absence of obesity, smoking, sedentary lifestyle, high blood pressure) self-reported a chronic disease in 3% of the under 45 bracket, and 10.5% from age 45-64. In the high risk bracket (having four or more risk factors), 18.6% of those below age 45 self-reported a chronic disease, compared to 61% between 45-64. (Table III, p. 254)

Musich, S., McDonald, T., & Hirschland, D. (2002). Excess healthcare costs associated with excess health risks in diseased and non-diseased health risk appraisal participants. Disease Management and Health Outcomes, 10(4), 251-258.

135,251 current and retired employees of General Motors Corporation who had completed a Health Risk Appraisal were evaluated. Participants were continuously enrolled in traditional or PPO medical plans from 1996 to 1999.

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