From the National Business Coalition on Health: According to the Minneapolis
Star-Tribune, the future of employee wellness programs may be an
individual health score, much like a consumer has a credit score.
of Minneapolis is among a growing number of employers using employee health
scoring models, such as myHealthCheck and HealthCheck360°. The programs work by
rating each employee based on health screening data. At Allina, employees who
score high on myHealthCheck can get up to $1,690 to put toward health insurance
The idea behind health scoring is not to be punitive, and the scoring is
designed to be fair and take into account factors that are within an individual's
A person with a score of more than 90 is very fit, with blood pressure that is
controlled, a low percentage of body fat and no evidence of smoking. As he
could not really do much better, a financial incentive on health insurance
premiums is earned just by staying at an upper level.
Those who cannot reach the top tier can still earn an incentive by improving.
Even someone with a score of 40, not very healthy, can earn incentives by
moving to 45 the next year.
A much smaller group of people with a chronic health condition, or perhaps a
genetic predisposition to disease, may never get a high score. They can still
earn the full incentive by showing they comply with doctors' recommendations on
This initial work on employee incentives could have far reaching implications
for value-based insurance design. Simply gathering data about what motivates
employees to stay or get healthy is valuable.