Health insurance does not ask questions of occupation. With ACA all they can rate for is age and zip code. Life insurance, he pays a hefty premium. Hell, I had to fill out an extensive questionnaire for my own life insurance because of racing.
Now what these guys do need to look into is how their health insurance will pay in foreign countries out of network. That is the real issue. Although my dad was working in England, and had to go to the ER. They did not bill him anything, and said he was a guest in the country. Socialized medicine. So who knows what and how much he is being billed in France.