C. Access to resources: Wellness programs typically offer people exposure to things they could not afford otherwise or difficult to find, such as a variety of health and fitness apps, telemedicine services, or wellness coaching. All these enhance proactive management of one's health.
Benefits for Insurers:
A. Reduced Claim Costs: A healthier insurance policyholder tends to require fewer treatments and, thus, fewer claims. By encouraging the participants of health insurance into wellness programs, the insurers can reduce their total outlays on hospital stays, chronic disease control, and emergency care.

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