The oddity I'm seeing is increased copays and

deductible, but with more programs aimed at one addition or behavior or the other.

Our insurance this year raised the deductible from $200 to $300, but added a reimbursement of up to $300 for memberships in gyms, yoga class, zumba, etc. A gotcha is you can only submit once it seems, so you have to save any eligible cost recepts until either you get $300 or the end of the year.

I think our insurance does have higher deductible for tobacco users but I don't know what it is, I quit before I started working at my current employer.

There are limited programs to help with alcoholism, drug addition, emotional problems, etc.

Now with the physical training program reimbursement, they add obesity, or physcial fitness. For a while, juob insurane was adding preventative health care, mostly in the 90's. There is a movement to raise deductible for the morbidly obese, I think the state of NC employee insurance raised the deductibe for obesity this year.