When you attend a conference about consumer-driven health care (in my case, the CDHC Solutions Forum in Denver this week), you're obviously going to hear a lot of praise for wellness programs.

Simply said, employers like the idea because they can pass off some responsibility to their employees while saving money on medical expenses. Then of course, there's the idea that health care reform will diminish good ol' fashioned employer-sponsored health plans—and consumer-driven care might be some of the only health care employees will get from their company.

But during one of the last panels on Friday, someone broke out with this query: "Well, it all sounds great, but do people really have the discipline?"

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