Does your car insurance company require you to install a GPS tracker in your car so they can keep track of everywhere you go? Because that would be much more analogous to what the parent describes.
Edit: Even if you decide not to opt-out of employer provided coverage, you don't have to participate in the wellness program, just as you don't have to participate in the gps tracking.
Insurers these days offer a discount for safe driving based on a device in the OBD-II port, yes. There are also some nontraditional insurance companies that charge per mile based on such a device.
