They aren't reasonable possibilities, because Medicare covers everyone over 65 regardless of their medical history and ACA health insurance plans are required to enroll all applicants regardless of age or medical history.
The latter can raise your premium if you smoke tobacco. That's literally the only power of "coercion" they have available. All your other choices are off-limits.
Whatever her contract specifies has to be consistent with the constitution, but her contract covers a lot more than that. It's not like she can look through the constitution to find her PTO policy.