165 pages. Excerpt: "[E]mployers overwhelmingly expressed confidence that workplace wellness programs reduce medical cost, absenteeism, and health-related productivity losses. But ... only about half stated that they have evaluated program impacts formally and only 2 percent reported actual savings estimates.... [S]tatistical analyses suggest that participation in a wellness program over five years is associated with a trend toward lower health care costs and decreasing health care use. We estimate the average annual difference to be $157, but the change is not statistically significant.... Well-executed programs appear to improve employee health meaningfully, whereas significant reductions in health care cost may take time to materialize.... Although participation incentives appear to be effective, intended and unintended effects of incentives for health-related standards need to be studied further."

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