james gelfand is senior vice president of health policy at the erisa industry committee, a trade group representing employers and company benefits plans and dania palanka is assistant professor at georgetown university health policy institute. thanks for being here. >> thanks. >> why do more comes offer health wellness programs with the financial incentives to go alongside? >> well, you have to have the financial incentive or people won't participate in the wellness program, but why offer the wellness program in the first place? well, that's because if you can find a way to empower your employees and their families to better their own health and to make good health care decisions and everybody wins because you save money on health care costs. >> dania, what's the viewpoint from the employees? are they giving anything up by participating? >> the employees are giving up some aspect of their privacy and their personal health information. if you think of a situation where your spouse might have cancer and you're being asked to either provide that information in a health questionnaire to yo