Does your company encourage employees to adopt healthier habits? If the answer is no, you could soon see changes in this regard -- according to this article, employers are being encouraged by health insurers to implement higher insurance rates for employees who smoke, or don't eat well or exercise. So you could end up paying for your bad habits -- literally!

In one company, employees undergo health tests, and if they don't pass, they pay high premiums and are encouraged to work with a health coach. And those who refused to take the test automatically paid the high rate.

What do you think about this? A good idea? I think it's a great idea, but I'm biased because I'm one of the people who would qualify for the lower rate.