My company is self funded for out health insurance plan. So the incentive is for people to get healthy and stay healthy. We have structured the benefits to favor those who do things the right way. Lower deductibles for not smoking, annual physicals, well baby care, immunizations, generic drugs all have $0 deductible. We also do an annual "health fair" where we get the local hospital to come to our place of employment for an annual checkup. It can include flu shots, blood tests, mammograms, blood pressure check and bone density. We try to rotate some of the tests and checks so we don't do the same thing every year. Wednesday I had an employee come in and thank me and the company saying the annual health fair probably saved his life. As a result of the check up the doctor found a heart murmur and sent him for a stress test. The cardiologist picked up a heart condition, his lower part of his heart was enlarged, which caused him to have irregular heart beats several times a day. They are going to implant a pacemaker type device in him next week where if he would have an actual heart attack it will shock his heart and get it beating properly again. He said his out of pocket cost for this was less than $500. He was very grateful to the company for providing the coverage we do and especially grateful that we prodded him into going to the health fair, which he didn't originally want to do.