“…Although some form of wellness program is offered by the majority of large employers in the United States (see Mattke et al, , for a comprehensive review), there is not yet clear consensus as to the impact of such programs or as to which program design features are most effective. Although the potential for cost saving appears large (Bolnick, Millard, & Dugas, ) and some studies suggest that wellness programs are associated with cost savings (Baicker et al, ; Ozminkowski, Ling, Goetzel, Bruno, Rutter, Isaac, & Wang, ), others do not find a significant effect on cost (Aldana, Merrill, Price, Hardy, & Hager, ; Caloyeras, Liu, Exum, Broderick, & Mattke, ; Jones, Molitor, & Reif, ) or worry that such programs shift costs onto less healthy employees (Horwitz, Kelly, & DiNardo, ). On March 23, 2010, President Obama endorsed a provision created to encourage employers to implement more substantial standard‐based wellness programs.…”