andresr/istockphoto From sleeping better to keeping your body running in tip top shape, studies show that working out consistently can do wonders for your health — but maybe not so much for your wallet. The good news? You might already be paying for a gym membership without realizing it. Many health insurance plans now include fitness perks, ranging from discounted gym memberships to reimbursement programs that can make working out a lot more affordable — and sometimes even free.