"why don't i get incentives for having healthy" Your incentive is health and a long active retirement, rather than keeling over dead on the job at 35. (And ed

"why don't i get incentives for having healthy" Your incentive is health and a long active retirement, rather than keeling over dead on the job at 35. (And edited to add that there's an obvious conflict of interest in that the pension (LOL) or 401K dept wants you to die as young as possible, whereas the health insurance wants you to avoid acute illnesses (dead in 10 yrs is fine, because you'll be working elsewhere by then, statistically)) Note that non-employees like employers or .mil people or whatever all have the same incentive. Sucks to be sick, or dead. "Here's the dilemma. How do employers control medical expenses?" Employer provided health insurance is a WWII thing, and only in America. In the long run no employers will offer health insurance, just like the old days. That doesn't necessarily mean no health care, or no health insurance middlemen, but does imply no more employer involvement. These things come and go in phases and much like company stores and unions are not exactly at their high point of popularity right now, its time to sunset employer provided health care. Perhaps they'll all be back in the future, just not anytime soon. Economics are getting rid of that benefit faster than creepy wellness programs are spreading. I expect to be uninsured (by my employer, anyway) sooner than I'll be required to join a wellness program, so we'll just avoid it for awhile longer and then the problem will go away.