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At this time of year many individuals and companies are exploring new or updated health insurance programs. Insurance companies offer significant benefits to companies that have documented wellness programs, so companies are making a significant investment in improving the health of their workforce. A study conducted by Fidelity revealed that over half of employers (56%) offer a wellness program to their global workforce, with 40% of the budget directed at incentives for employees to participate.

Incentives… we all want them. From earning $.05 cents off a gallon of gas after spending $100 dollars food shopping to receiving 50,000 sky miles for signing up for that “Free” credit card on a flight to Vegas We all love when we think we are getting something for “free”.  But are these incentives really “free”?  What is the true cost of  50,000 sky miles or $.05 cents off a gallon of gas   cost  the promoting company.  From the companies perspective, the cost associated with the discount, miles, or points pale in comparison to the objective to drive and change our behavior.