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.
Personally my concern (with both things) is that they are going to normalize it so that it's first an option with an incentive, then it's the default and you have to opt out and pay some sort of penalty for doing so, and then before you know it there is no choice at all.
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.