Do programs that pay people to lose weight really work?

(Ricky Carioti/ WASHINGTON POST ) - HAGERSTOWN, MD - OCTOBER 5: Housekeeper Leona Van loan, center, chuckles at her weight as Team Skinny Clothes teammate, receptionist Cynthia Stubbs, left looks on at the Meritus Medical Center on October 5, 2011 in Hagerstown, Md. Team Skinny Clothes participates in their weekly weigh-in with a total of 40.4 pounds shed in the three weeks leading up to the current weigh-in. Twenty-four, five person teams from Meritus are competing in the HealthyWage weight loss competition against thirteen other teams across the U.S. The winner in the competition wins a $10,000 prize for the most weight lost as a group. (Photo by Ricky Carioti/The Washington Post)

(Ricky Carioti/ WASHINGTON POST ) - HAGERSTOWN, MD - OCTOBER 5: Housekeeper Leona Van loan, center, chuckles at her weight as Team Skinny Clothes teammate, receptionist Cynthia Stubbs, left looks on at the Meritus Medical Center on October 5, 2011 in Hagerstown, Md. Team Skinny Clothes participates in their weekly weigh-in with a total of 40.4 pounds shed in the three weeks leading up to the current weigh-in. Twenty-four, five person teams from Meritus are competing in the HealthyWage weight loss competition against thirteen other teams across the U.S. The winner in the competition wins a $10,000 prize for the most weight lost as a group. (Photo by Ricky Carioti/The Washington Post)

What if someone would pay you to lose weight? Not a token amount from your meddling fitness freak brother-in-law, but serious cash, say $10,000? Would you try it?

But what if you had to put some skin in the game, 60 of your hard-earned dollars for the chance to win that $10,000 or smaller prizes of $5,000 and $3,000?

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And what if you had to do this at the office, with a team of co-workers who would monitor your progress, or lack thereof, and whose chances at a payoff depended on you? Deal breaker or motivator?

As you might have guessed, such elaborate wagers are underway at companies across the country, perhaps the most innovative variation in the growing trend of offering overweight Americans — and those with other unhealthful habits, such as smoking and drug use — financial incentives to change.

Such experiments live at the nexus of cost-benefit analysis, behavioral psychology and the obesity crisis. The best programs are carefully calculated to exploit human nature: our love of a windfall, the risk of losing a small but significant financial stake, the camaraderie of a team effort, the heat of competition. All in the hope it may push us to do something difficult and unpleasant: shed pounds.

“We have to help people lose weight, and financial incentives are part of it,” said David Roddenberry, founder of HealthyWage.com, a two-year-old company that arranges inter-company competitions called “matchups” and takes a cut of the proceeds for its efforts.

To save money on health insurance premiums and draw attention to company wellness programs, more employers have been offering in-house contests with small payoffs, in cash or other goodies. The NBC reality show “The Biggest Loser” has taken the prize package — and the girth of contestants — to an extreme.

But now, HealthyWage and a handful of other Web sites have made a variety of contests available to almost any employer or individual.

At Meritus Health, a sprawling new medical center in Hagerstown, Md., 24 teams of five employees, most of them women, are in the fourth week of HealthyWage’s most recent contest against squads from 13 other competitors from as far away as New Mexico. Members of teams such as Big and Wanna Be Rich and the Meritus Muffin-top Droppers are laying small side bets and monitoring each other’s food intake in an effort to take home the top prize. Some weigh in together each week.

Each employee put up $60 to enter the contest. Collectively, the 120 workers lost more than 400 pounds the first week, according to a spokeswoman, better than three pounds per participant.

“I said, ‘Look, this is $10,000,’ ” said Nancy Rotz, a receptionist in the medical center’s environmental services division who wanted to lose some weight anyway. “C’mon now, $10,000 right before Christmas. This is awesome.”

George Loewenstein, a behavioral economist at Carnegie Mellon University who has studied financial incentives and weight loss, says the HealthyWage competition is “using all the conditions that have been found in the research to be successful.” In controlled studies of obese veterans, Loewenstein and his colleagues devised ways to include social support and pressure, competition and, of course, money to spur weight loss.

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