[BarTopDancer]

I think a better way to go about it is offer a healthy living incentive. Instead of offering a discounted rate to a gym, offer a membership and then obtain information of how often the member goes to the gym. If you go to the gym 4-5 times a week (20-25 times a week you get x amount off your insurance) Of course something like this would be an administrative nightmare and a slippery slope to other intrusions.