A recent survey by Wells Fargo found employers continue to turn to consumer-driven health plans, albeit slowly. According to the Marketplace Trends survey, 4 percent of employers added an HSA account and 3 percent added an HRA account. Furthermore, 8 percent said they plan to offer a CDHP next year. Nearly one-third of employers currently offer such a plan, falling short of the 38 percent projected for 2010 in last year's survey.

The number of employers who see the value of wellness programs continues to grow, and they are aggressively pushing employees to participate. Nearly 60 percent of employers said they offer financial incentives for participating in a wellness program, and 43 percent do the same for a disease management program.

"It's encouraging to see more employers offering financial incentives, in conjunction with the new wellness offerings this year," said Dan Gowen, senior vice president for Wells Fargo Insurance Services. "Providing the program is only the start. It's important to not only get the employees enrolled, but to keep them engaged in the program. Incentives help drive the motivation necessary for success."