If you look a little deeper, the foundation of the concept of &quot;Wellness Programs&quot; is to raise all rates paid by employees across the board, then provide discounts for behaviors that are approved (basically sharing PMI data with a 3rd party). In the US this is because - to my understanding - laws prevent insurance companies and companies from &#x27;discriminating&#x27; in their pricing. As in, they can&#x27;t penalize most people for simply being unhealthy (vs. legal to penalize for tobacco use) so the way to soften the bottom line effect is to raise everything and give discounts.<p>In my experience there is simply surface-level masking by calling it a &quot;Wellness Program&quot; instead of a data collection healthcare discount program, because a lot of lifestyle changes needed to promote genuine health aren&#x27;t really incorporated. As in, healthier diet of fresh foods, better rest at night, free access to exercise facilities.