We met earlier this week in hopes to converge on a new idea to explore. We've landed on doing more research to develop an idea that would provide individual insurance customers with a means to gain discounts through a rewards type program for improving their health. Many corporations have adopted workplace wellness programs that incentivize employees for items such as being tobacco-free or getting health screenings. Employees who participate are able to receive credits towards their HSA account for prescriptions, co-pays, etc. For the employer, this can reduce their portion of healthcare costs. In a HBR Article, What’s the Hard Return on Employee Wellness Programs? in December 2010, there was a study performed on J&J and "...J&J’s leaders estimate that wellness programs have cumulatively saved the company $250 million on health care costs over the past decade; from 2002 to 2008, the return was $2.71 for every dollar spent." It also appears that there's been a decline in Employer insured vs. Non-Group insured in the United States and California as an individual state. So now our question to explore is, how might we provide a means for non-group insured individuals with a wellness program that could (1) help them improve their health physically, mentally, socially, etc. and (2) help insurance companies save on their customer costs?
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