Large employers are shifting toward wellness programs to manage health costs, but fewer small and midsize businesses are developing and using wellness programs. Trusted agents are well positioned to advise businesses on implementing health and wellness programs, writes Barbara Stewart, a vice president with Washington National Insurance Co. Agents can help employers see the value of wellness programs and incentives, advise on the basic elements or programs to implement, and guide employers in developing the program. BenefitsPro.com (10/24