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New rules allow insurance discounts in workplace wellness programs
Modern Healthcare

New final rules on employee wellness programs allow employers to offer discounts on health premiums if workers and their spouses answer questions about their health or take a physical examination.

The Equal Employment Opportunity Commission’s final regulations issued Monday clarify what had seen as conflicting federal rules regarding whether financial incentives given for workplace wellness programs amounted to penalties for those who did not participate.

The new rules, which go into effect Jan. 1, allow companies to offer a maximum incentive of up to 30% of the total cost of self-only coverage. The limit applies individually to employees and their spouses, so a couple could receive 60% of the cost of self-only coverage if they both participate.