8 pages. Excerpt: [S]ome reward/penalty plans might actually make it harder for you to visit the doctor. For example, if your employer has created a plan in which you are charged higher premiums as a penalty for not meeting a particular wellness goal, your health insurance could become unaffordable. The result may be that you could no longer get the health care you need because of the high cost. Furthermore, when people have to pay more for health care, they are more likely to forgo services that they need.