Method of promoting employee wellness and health insurance strategy for same

An employer provided health insurance package comprising:

• a state-governed fully-insured health insurance policy for a group of employees that is a tax deductible expense to the employer while being non-taxed compensation to an employee;
• at least one conditional benefit under the policy for the employee being conditioned on voluntary participation in at least a portion of a wellness program.

A method of administering a health plan for a group of employees, comprising the steps of:

• determining whether a conditional benefit under a state-governed fully-insured health insurance policy is available to an employee making a claim at least in part by determining whether the employee is a participant in a voluntary wellness program;
• and
• processing the claim with respect to the state-governed fully-insured health insurance policy if the conditional benefit is available to the employee.

An improved method of allocating costs for employee benefits, comprising the steps of:

• rewarding an employee for participating in a wellness program for a predetermined time period;
• increasing the reward to the employee for maintained participation in the wellness program for a subsequent and consecutive predetermined time period.