See also: Health Care &quot;Wellness&quot; programs at US companies with programs that are partially employer paid.<p>Step 1: Raise rates for every participant (individuals, families)<p>Step 2: Demand list of health metrics and personal info, often requiring bloodwork<p>Step 3: Give discount to participants, use X, Y, Z tactics to &quot;improve&quot; health of participants (i.e. make numbers better)<p>Step 4: Convince everybody this is a great idea