When Kathy Klute-Nelson heads out on a neighborhood walk, she often takes her two dogs — Kona, a boxer, and Max, a small white dog of questionable pedigree who barrels out the front door with barks of enthusiasm.
The 64-year-old resident of Costa Mesa, Calif., says she was never one to engage in regular exercise — especially after a long day of work. But about three years ago, her employer, the Auto Club of Southern California, made her and her colleagues an offer she couldn't refuse: Wear a Fitbit, walk every day and get up to $300 off your yearly health insurance premiums.