I would relish a kitchen or cafeteria stocked with delicious and wholesome food.
What OP is asking for isn't crazy, most companies just don't have the management structure (or good management) to provide it. You can find these companies, just plan on spending time looking (took me a year, but I was employed during that time).
The question from me wouldn't be whether or not they work, but are they worth the time, money and effort that is put into these programs?
I get that plenty of rate modifiers have strong links to driving safety like age and marriage status. However, in my limited opinion, there's no way "honor roll" has anything but the weakest link to safe driving as the barrier to achievement varies drastically on a school-to-school basis. Insurance companies are data driven but data (especially healthcare data) lags so long that I wouldn't be surprised if discounts for running a wellness program were founded purely in speculation. This article seems to back that assumption with hard proof as well.
Big companies hope that wellness programs really will decrease healthcare spend and increase morale --- chronic conditions like diabetes and smoking do have a disproportionate impact on the healthcare bottom line. That said, once-off specialty conditions (cancer, heart surgery, etc.) have an even bigger impact and aren't addressed by this.
These things are so incredibly expensive that even a small shift in them could be worth a considerable amount of dollars per worker. And that's not even considering productivity benefits (which are in turn so hard to quantify we'll almost always be talking about gut feelings on this issue.)
A program like this is almost the definition of a violation of work-life balance. Way too creepy, big brother is monitoring you. The last thing I want is an awkward metric on my annual review to verify my prostate is getting a regular workout and what my employer can do to help out and hows my stamina now and whatever other totally inappropriate freakishness they think up. The whole concept is just offensive. Just too many crossed boundaries. I find the sex analogy to be highly relevant. A happy employee is a productive employee so we should all be required to document and track our sexual activity with our boss and have a performance improvement plan as part of our reviews to make sure we're getting some. Next we can add religion! Ugh.
They offer a wellness clinic in the lunch room about twice a year, free screenings and free vaccinations. Many people participate, including myself, the primary reason this isn't creepy is this doesn't involve my boss or HR or payroll getting involved, no big brother garbage. At least not in public (maybe there is a secret file on me for each flu vaccination I've gotten, donno).
This isn't how it works in countries with functioning public healthcare systems.
Because socialism is evil: https://en.wikipedia.org/wiki/Health_insurance_in_the_United...
I mean, it's trite but that's what it boiled down to. Truman had the idea of a an optional, government-backed health plan. Someone trots the magic "socialism" trigger word, and labor unions settled for employer-provided health insurance instead. (Though I wonder how Truman's plan would be self-sustaining if it were optional. We have enough problems financing not-optional plans.)
Your incentive is health and a long active retirement, rather than keeling over dead on the job at 35.
(And edited to add that there's an obvious conflict of interest in that the pension (LOL) or 401K dept wants you to die as young as possible, whereas the health insurance wants you to avoid acute illnesses (dead in 10 yrs is fine, because you'll be working elsewhere by then, statistically))
Note that non-employees like employers or .mil people or whatever all have the same incentive. Sucks to be sick, or dead.
"Here's the dilemma. How do employers control medical expenses?"
Employer provided health insurance is a WWII thing, and only in America. In the long run no employers will offer health insurance, just like the old days. That doesn't necessarily mean no health care, or no health insurance middlemen, but does imply no more employer involvement.
These things come and go in phases and much like company stores and unions are not exactly at their high point of popularity right now, its time to sunset employer provided health care. Perhaps they'll all be back in the future, just not anytime soon. Economics are getting rid of that benefit faster than creepy wellness programs are spreading. I expect to be uninsured (by my employer, anyway) sooner than I'll be required to join a wellness program, so we'll just avoid it for awhile longer and then the problem will go away.
I think positive social motivators can be a generally positive way of getting the worker populace more healthy.