Sylvester Williams, a Denver Broncos nose guard, nabs Isaiah Crowell of the Cleveland Browns last October. If measured by BMI, Williams is obese. AAron Ontiveroz/Denver Post via Getty Images hide caption

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Steve Heller has worked for Minnesota's John Henry Foster company for 15 years. He says he likes the greater choice of health plans he now has because of the private exchange. Mark Zdechlik/MPR hide caption

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There are legal questions about how far employers can go to encourage participation in wellness programs. Bjorn Rune Lie/Ikon Images/Getty Images hide caption

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It will take a bigger money pile to pay for your health insurance again. Andrei Tchernov/iStockphoto.com hide caption

toggle caption Andrei Tchernov/iStockphoto.com