CVS recently required all of its employees to submit to a
medical exam or pay a $600 fine. (David Paul Morris / Bloomberg
/ September 14, 2013)  Would you be willing to share with your
employer how much you eat, drink, smoke or exercise? And would
you be willing to make lifestyle changes in return for a break
on the cost of your health insurance? The University of
Minnesota offered such discounts to its workers. Actions such as
completing a health questionnaire, biking to campus or setting
personal fitness goals earned insurance discounts beginning at
$300. Nearly 6,000 employees accepted the bargain.  But do such
programs have the intended effect of healthier employees and
lower healthcare costs? As more businesses embrace health
incentives, these questions are becoming more urgent.  Perhaps
the most widely recognized employer wellness program is that of
the grocery store chain Safeway. The company's voluntary Healthy
Measures program evaluates four measures of health: tobacco use,
weight, blood pressure and