The rate of preventable disease in the U.S. is creating an epidemic of rising health care costs. Insurance plans and employers are using their unique role to help combat rising prices though incentivizing wellness and health promotion. The economic return on work-site health promotion plans is 3:1 making it favorable for employers. Through these work-site wellness programs, a consequential shift needs to occur to hold consumers accountable and focused on their health. To accomplish behavior change and change the accountability of individuals’ health the locus of motivation needs to shift internally. The first step is to hook employees though external motivation and use it as a gateway for internal motivation. Monetary value is used most often in work-site wellness programs to motivate individuals externally. Health coaching can be an effective way to help move this motivation locus of control inward. Health coaching provided by the employer or health insurer is increasing in popularity to help create long-term changes, reduce health care costs, and create a healthier America.