How it works

Five steps from signup to earning rebates. Nothing hidden.

Step 1

Sign up

If your employer offers HealthReturns, you can enroll in a few minutes. You'll see exactly what data is used and what isn't before you agree to anything.

  • Completely voluntary
  • No penalties for skipping
  • Clear explanation of what's shared
Step 2

Connect a data source

Link a device you already use, like a Garmin, Oura, WHOOP, or Fitbit. If you don't have one, you can enter data manually.

  • Works with most fitness devices
  • Apple Health supported
  • Manual entry always available
Step 3

Capture your baseline

Your first month establishes where you're starting from. There's no judgment here; this is just the reference point for measuring progress.

  • 30-day baseline period
  • Your starting point is private
  • No penalties for where you begin
Step 4

Make progress, earn rebates

Improve from your baseline, or maintain already-healthy metrics. Either path earns you a higher rebate on your health coverage.

  • Level 1: Participation (~5%)
  • Level 2: Improvement (~15%)
  • Level 3: Excellence (~30%)
Step 5

Check in quarterly

Every 90 days, your level is recalculated. You'll always know where you stand and what it would take to move up.

  • Evaluated every 90 days
  • No surprise changes
  • Clear next steps

What we measure

You choose what to share. More data means more ways to show progress.

Activity
  • Daily Steps
  • Active Minutes
  • Distance
  • Calories Burned
Heart Health
  • Resting Heart Rate
  • Heart Rate Variability
  • Blood Pressure
Sleep
  • Sleep Duration
  • Sleep Quality
  • Deep Sleep
  • REM Sleep
Body Composition
  • Weight
  • BMI
  • Body Fat %
Labs (Optional)
  • Blood Glucose
  • HbA1c
  • Cholesterol Panel

The levels

You can earn any level through improvement or by maintaining already-healthy metrics.

Level 0

Enrolled

Starting point for all participants

0%
rebate
Level 1

Participation

Complete enrollment and establish baseline

  • Enrollment completed
  • Consent granted
  • Baseline measurement captured
~5%
rebate
Level 2

Improvement OR Maintenance

Show improvement from baseline, or maintain healthy ranges

Path A: Improvement

  • • BP decreases meaningfully
  • • HbA1c improves
  • • Activity increases

Path B: Maintenance

  • • BP already optimal
  • • Annual screening complete
  • • Activity verified
~15%
rebate
Level 3

Sustained Excellence

Sustained improvement or sustained excellent health

Path A: Sustained Improvement

  • • Consistent gains over time
  • • Multiple quarters of progress
  • • Engagement maintained

Path B: Sustained Excellence

  • • Already lean, active
  • • Excellent sleep patterns
  • • Prevents regression
~25-30%
rebate

Questions?

If your employer offers HealthReturns, you can sign up now. Otherwise, check out the compliance details.

Get StartedView Compliance