Wearables companies like Fitbit ( FIT ) and Apple ( AAPL 0.55% ) with its Apple Watch have long talked about the ability for their devices to play a key role in the healthcare system. Fitness wearable users should be happy to hear that more and more companies and insurers are including wearables as part of an overall health and wellness initiative to keep employees healthy -- often giving perks such as reduced health insurance costs to those that participate.