Employees get it. Health care plan costs are only going to keep rising – about 5 to 8 percent more each year.

While they'd like to keep their premiums stable, that's just not going to happen, and the cost shifts will be barely manageable without any significant wage increases.

Outside the workplace, they're bombarded with public service campaigns telling them to get off the couch, lose weight, quit smoking, take their meds, give their kids more fruits and vegetables, get cancer screenings…the list goes on.

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