Yet another reason to dislike health insurance companies: They force wellness programs on employers.

There is, to date, no independent confirmation of the efficacy of wellness programs that incorporate fitness trackers in bringing health care costs down. There is even some doubt as to whether corporate wellness programs, with or without trackers, work all that well. A Rand study that looked at 600,000 employees at seven corporations concluded that wellness programs had “little if any immediate effects on the amount employers spend on health care.” A much-debated study published in Health Affairs in 2013 said the programs may actually “shift costs to workers who can least absorb them” because healthy workers end up getting discounts while sick workers pay the maximum premium.