A reason for employees to invest in their health
Most wellness programs are ignored or gamed. HealthReturns ties rebates to real, measurable health signals, so employees have a genuine incentive to improve, and you see the results in lower long-term claims.
What's different about this
HealthReturns is built around one idea: reward real progress.
When people improve their health, claims go down. HealthReturns creates a reason to make that happen.
Because the program is fair to all starting points, participation rates are high. Nobody feels left out.
HealthReturns is structured as an ACA-compliant health-contingent program. No penalties, only rebates.
You get aggregate data: participation rates, level distribution, trends. Not individual health records.
You never see an employee's weight, blood pressure, or any personal metric. That's intentional.
Set up once. We handle enrollment, tracking, level calculations, and rebate reporting.
ACA-Compliant by Design
HealthReturns is structured as a Health-Contingent Wellness Program that meets all ACA and HIPAA requirements. Compliance is built into the platform.
- Health-contingent wellness program structure (ACA/HIPAA compliant)
- Up to 30% of total plan cost in incentives (50% for tobacco cessation)
- Reasonable alternative standards for all participants
- Voluntary participation with no penalties for non-participation
- Annual opportunity to qualify at each level
- Transparent disclosure of program rules and requirements
Incentive Limits
Under ACA regulations, wellness incentives can total:
Percentages of total employee-only coverage cost under the plan.
What you see (and don't see)
You get program-level insights. Individual health data stays with the individual.
Participation Rate
Percentage of eligible employees enrolled in the program
Level Distribution
Breakdown of employees across Level 0, 1, 2, and 3 (no individual data)
Trend Analysis
Quarter-over-quarter changes in aggregate participation
Projected Savings
Estimated healthcare cost reduction based on level progression
Privacy Guarantee
Employers never have access to individual employee biometric data. All analytics are aggregated and anonymized. Small group sizes are suppressed to prevent identification.
See if it's a fit
We'll walk you through how HealthReturns works for self-insured employers.