I do, although in my particular case, I'm on an individual plan and not part of a group plan. But I acknowledge your point that this is one of the few cases where aggregations are a relevant unit of analysis, since the point of insurance is to average out risk within a large set of people.

I will say, though, that this perfectly elucidates my point that classification is a purpose-driven, subjective undertaking -- the classifications used for risk pooling in the insurance industry have nothing at all to do with the model of social class advanced by various polemicists here and elsewhere, due to being devised by different people for different purposes.