Our insurance comes through the Alaska Health and Welfare trust established by IBEW. Excellent insurance but pretty spendy.  I would love to see more healthy living incentive with reduced premium reward.  I think one of the best monthly investments our family has made is our monthly gym membership.  Making some form of daily exercise a life habit, especially combined with healthy eating and lifestyle goes an incredibly long way in reducing health costs. Unhealthy people has become a very big business in our nation.