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                              ACCESS HEALTH, INC.
                                1998 STOCK PLAN



     1.   PURPOSES OF THE PLAN.  The purposes of this Stock Plan are:

          -    to attract and retain the best available personnel for positions
               of substantial responsibility, 

          -    to provide additional incentive to Employees, Directors and
               Consultants, and 

          -    to promote the success of the Company's business.  

     Options granted under the Plan may be Incentive Stock Options or
Nonstatutory Stock Options, as determined by the Administrator at the time of
grant.  Stock Purchase Rights may also be granted under the Plan.

     2.   DEFINITIONS. As used herein, the following definitions shall apply:

          (a)  "ADMINISTRATOR" means the Board or any of its Committees as shall
be administering the Plan, in accordance with Section 4 of the Plan.

          (b)  "APPLICABLE LAWS" means the requirements relating to the
administration of stock option plans under U. S. state corporate laws, U.S.
federal and state securities laws, the Code, any stock exchange or quotation
system on which the Common Stock is listed or quoted and the applicable laws of
any foreign country or jurisdiction where Options or Stock Purchase Rights are,
or will be, granted under the Plan.

          (c)  "BOARD" means the Board of Directors of the Company.

          (d)  "CODE" means the Internal Revenue Code of 1986, as amended.

          (e)  "COMMITTEE"  means a committee of Directors appointed by the
Board in accordance with Section 4 of the Plan.

          (f)  "COMMON STOCK" means the common stock of the Company.

          (g)  "COMPANY" means Access Health, Inc., a Delaware corporation.

          (h)  "CONSULTANT" means any person, including an advisor, engaged by
the Company or a Parent or Subsidiary to render services to such entity.


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          (i)  "DIRECTOR" means a member of the Board.

          (j)  "DISABILITY" means total and permanent disability as defined in
Section 22(e)(3) of the Code.

          (k)  "EMPLOYEE" means any person, including Officers and Directors,
employed by the Company or any Parent or Subsidiary of the Company.  A Service
Provider shall not cease to be an Employee in the case of (i) any leave of
absence approved by the Company or (ii) transfers between locations of the
Company or between the Company, its Parent, any Subsidiary, or any successor. 
For purposes of Incentive Stock Options, no such leave may exceed ninety days,
unless reemployment upon expiration of such leave is guaranteed by statute or
contract.  If reemployment upon expiration of a leave of absence approved by the
Company is not so guaranteed, on the 181st day of such leave any Incentive Stock
Option held by the Optionee shall cease to be treated as an Incentive Stock
Option and shall be treated for tax purposes as a Nonstatutory Stock Option. 
Neither service as a Director nor payment of a director's fee by the Company
shall be sufficient to constitute "employment" by the Company.

          (l)  "EXCHANGE ACT" means the Securities Exchange Act of 1934, as
amended.

          (m)  "FAIR MARKET VALUE" means, as of any date, the value of Common
Stock determined as follows:

               (i)    If the Common Stock is listed on any established stock
exchange or a national market system, including without limitation the Nasdaq
National Market or The Nasdaq SmallCap Market of The Nasdaq Stock Market, its
Fair Market Value shall be the closing sales price for such stock (or the
closing bid, if no sales were reported) as quoted on such exchange or system for
the last market trading day prior to the time of determination, as reported in
THE WALL STREET JOURNAL or such other source as the Administrator deems
reliable;

               (ii)   If the Common Stock is regularly quoted by a recognized
securities dealer but selling prices are not reported, the Fair Market Value of
a Share of Common Stock shall be the mean between the high bid and low asked
prices for the Common Stock on the last market trading day prior to the day of
determination, as reported in THE WALL STREET JOURNAL or such other source as
the Administrator deems reliable; or 

               (iii)  In the absence of an established market for the Common
Stock, the Fair Market Value shall be determined in good faith by the
Administrator.

          (n)  "INCENTIVE STOCK OPTION" means an Option intended to qualify as
an incentive stock option within the meaning of Section 422 of the Code and the
regulations promulgated thereunder.

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          (o)  "NONSTATUTORY STOCK OPTION" means an Option not intended to
qualify as an Incentive Stock Option.

          (p)  "NOTICE OF GRANT" means a written or electronic notice evidencing
certain terms and conditions of an individual Option or Stock Purchase Right
grant.  The Notice of Grant is part of the Option Agreement.

          (q)  "OFFICER" means a person who is an officer of the Company within
the meaning of Section 16 of the Exchange Act and the rules and regulations
promulgated thereunder.

          (r)  "OPTION" means a stock option granted pursuant to the Plan.

          (s)  "OPTION AGREEMENT" means an agreement between the Company and an
Optionee evidencing the terms and conditions of an individual Option grant.  The
Option Agreement is subject to the terms and conditions of the Plan.

          (t)  "OPTION EXCHANGE PROGRAM" means a program whereby outstanding
Options are surrendered in exchange for Options with a lower exercise price.

          (u)  "OPTIONED STOCK" means the Common Stock subject to an Option or
Stock Purchase Right.

          (v)  "OPTIONEE" means the holder of an outstanding Option or Stock
Purchase Right granted under the Plan.

          (w)  "PARENT" means a "parent corporation," whether now or hereafter
existing, as defined in Section 424(e) of the Code.

          (x)  "PLAN" means this 1998 Stock Plan.

          (y)  "RESTRICTED STOCK" means shares of Common Stock acquired pursuant
to a grant of Stock Purchase Rights under Section 11 of the Plan.

          (z)  "RESTRICTED STOCK PURCHASE AGREEMENT" means a written agreement
between the Company and the Optionee evidencing the terms and restrictions
applying to stock purchased under a Stock Purchase Right.  The Restricted Stock
Purchase Agreement is subject to the terms and conditions of the Plan and the
Notice of Grant.

          (aa) "RULE 16b-3" means Rule 16b-3 of the Exchange Act or any
successor to Rule 16b-3, as in effect when discretion is being exercised with
respect to the Plan.

          (bb) "SECTION 16(b)" means Section 16(b) of the Exchange Act.

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          (cc) "SERVICE PROVIDER" means an Employee, Director or Consultant.

          (dd) "SHARE" means a share of the Common Stock, as adjusted in
accordance with Section 13 of the Plan.

          (ee) "STOCK PURCHASE RIGHT" means the right to purchase Common Stock
pursuant to Section 11 of the Plan, as evidenced by a Notice of Grant.

          (ff) "SUBSIDIARY" means a "subsidiary corporation", whether now or
hereafter existing, as defined in Section 424(f) of the Code.

     3.   STOCK SUBJECT TO THE PLAN.  Subject to the provisions of Section 13 of
the Plan, the maximum aggregate number of Shares which may be optioned and sold
under the Plan is 900,000 Shares.  The Shares may be authorized, but unissued,
or reacquired Common Stock.  

          If an Option or Stock Purchase Right expires or becomes unexercisable
without having been exercised in full, or is surrendered pursuant to an Option
Exchange Program, the unpurchased Shares which were subject thereto shall become
available for future grant or sale under the Plan (unless the Plan has
terminated); PROVIDED, however, that Shares that have actually been issued under
the Plan, whether upon exercise of an Option or Right, shall not be returned to
the Plan and shall not become available for future distribution under the Plan,
except that if Shares of Restricted Stock are repurchased by the Company at
their original purchase price, such Shares shall become available for future
grant under the Plan. 

     4.   ADMINISTRATION OF THE PLAN.

          (a)  PROCEDURE.

               (i)    MULTIPLE ADMINISTRATIVE BODIES.  The Plan may be
administered by different Committees with respect to different groups of Service
Providers.

               (ii)   SECTION 162(m). To the extent that the Administrator
determines it to be desirable to qualify Options granted hereunder as
"performance-based compensation" within the meaning of Section 162(m) of the
Code, the Plan shall be administered by a Committee of two or more "outside
directors" within the meaning of Section 162(m) of the Code.

               (iii)  RULE 16b-3.  To the extent desirable to qualify
transactions hereunder as exempt under Rule 16b-3, the transactions contemplated
hereunder shall be structured to satisfy the requirements for exemption under
Rule 16b-3.


                                      -4-
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               (iv)   OTHER ADMINISTRATION.  Other than as provided above, the
Plan shall be administered by (A) the Board or (B) a Committee, which committee
shall be constituted to satisfy Applicable Laws. 

          (b)  POWERS OF THE ADMINISTRATOR.  Subject to the provisions of the
Plan, and in the case of a Committee, subject to the specific duties delegated
by the Board to such Committee, the Administrator shall have the authority, in
its discretion:

               (i)    to determine the Fair Market Value;

               (ii)   to select the Service Providers to whom Options and Stock
Purchase Rights may be granted hereunder;

               (iii)  to determine the number of shares of Common Stock to be
covered by each Option and Stock Purchase Right granted hereunder;

               (iv)   to approve forms of agreement for use under the Plan;

               (v)    to determine the terms and conditions, not inconsistent 
with the terms of the Plan, of any Option or Stock Purchase Right granted 
hereunder. Such terms and conditions include, but are not limited to, the 
exercise price, the time or times when Options or Stock Purchase Rights may 
be exercised (which may be based on performance criteria), any vesting 
acceleration or waiver of forfeiture restrictions, and any restriction or 
limitation regarding any Option or Stock Purchase Right or the shares of 
Common Stock relating thereto, based in each case on such factors as the 
Administrator, in its sole discretion, shall determine;

               (vi)   to reduce the exercise price of any Option or Stock 
Purchase Right to the then current Fair Market Value if the Fair Market Value 
of the Common Stock covered by such Option or Stock Purchase Right shall have 
declined since the date the Option or Stock Purchase Right was granted;

               (vii)  to institute an Option Exchange Program;

               (viii) to construe and interpret the terms of the Plan and
awards granted pursuant to the Plan;

               (ix)   to prescribe, amend and rescind rules and regulations
relating to the Plan, including rules and regulations relating to sub-plans
established for the purpose of qualifying for preferred tax treatment under
foreign tax laws;


                                      -5-

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               (x)  to modify or amend each Option or Stock Purchase Right
(subject to Section 15(c) of the Plan), including the discretionary authority to
extend the post-termination exercisability period of Options longer than is
otherwise provided for in the Plan;

               (xi) to allow Optionees to satisfy withholding tax obligations by
electing to have the Company withhold from the Shares to be issued upon exercise
of an Option or Stock Purchase Right that number of Shares having a Fair Market
Value equal to the amount required to be withheld.  The Fair Market Value of the
Shares to be withheld shall be determined on the date that the amount of tax to
be withheld is to be determined.  All elections by an Optionee to have Shares
withheld for this purpose shall be made in such form and under such conditions
as the Administrator may deem necessary or advisable;

               (xii)     to authorize any person to execute on behalf of the
Company any instrument required to effect the grant of an Option or Stock
Purchase Right previously granted by the Administrator;

               (xiii)    to make all other determinations deemed necessary or
advisable for administering the Plan.

          (c)  EFFECT OF ADMINISTRATOR'S DECISION.  The Administrator's
decisions, determinations and interpretations shall be final and binding on all
Optionees and any other holders of Options or Stock Purchase Rights.

     5.   ELIGIBILITY.  Nonstatutory Stock Options and Stock Purchase Rights may
be granted to Service Providers.  Incentive Stock Options may be granted only to
Employees.

     6.   LIMITATIONS.

          (a)  Each Option shall be designated in the Option Agreement as either
an Incentive Stock Option or a Nonstatutory Stock Option.  However,
notwithstanding such designation, to the extent that the aggregate Fair Market
Value of the Shares with respect to which Incentive Stock Options are
exercisable for the first time by the Optionee during any calendar year (under
all plans of the Company and any Parent or Subsidiary) exceeds $100,000, such
Options shall be treated as Nonstatutory Stock Options.  For purposes of this
Section 6(a), Incentive Stock Options shall be taken into account in the order
in which they were granted.  The Fair Market Value of the Shares shall be
determined as of the time the Option with respect to such Shares is granted.

          (b)  Neither the Plan nor any Option or Stock Purchase Right shall
confer upon an Optionee any right with respect to continuing the Optionee's
relationship as a Service Provider with the Company, nor shall they interfere in
any way with the Optionee's right or the Company's right to terminate such
relationship at any time, with or without cause.

                                        -6-
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          (c)  The following limitations shall apply to grants of Options:

               (i)  No Service Provider shall be granted, in any fiscal year of
the Company, Options to purchase more than 1,000,000 Shares.

               (ii) In connection with his or her initial service, a Service
Provider may be granted Options to purchase up to an additional 500,000 Shares
which shall not count against the limit set forth in subsection (i) above.

               (iii) The foregoing limitations shall be adjusted
proportionately in connection with any change in the Company's capitalization as
described in Section 13. 

               (iv) If an Option is cancelled in the same fiscal year of
the Company in which it was granted (other than in connection with a transaction
described in Section 13), the cancelled Option will be counted against the
limits set forth in subsections (i) and (ii) above.  For this purpose, if the
exercise price of an Option is reduced, the transaction will be treated as a
cancellation of the Option and the grant of a new Option.

     7.   TERM OF PLAN.  Subject to Section 19 of the Plan, the Plan shall
become effective upon its adoption by the Board.  It shall continue in effect
for a term of ten (10) years unless terminated earlier under Section 15 of the
Plan.

     8.   TERM OF OPTION.  The term of each Option shall be stated in the Option
Agreement.  In the case of an Incentive Stock Option, the term shall be ten (10)
years from the date of grant or such shorter term as may be provided in the
Option Agreement.  Moreover, in the case of an Incentive Stock Option granted to
an Optionee who, at the time the Incentive Stock Option is granted, owns stock
representing more than ten percent (10%) of the total combined voting power of
all classes of stock of the Company or any Parent or Subsidiary, the term of the
Incentive Stock Option shall be five (5) years from the date of grant or such
shorter term as may be provided in the Option Agreement.

     9.   OPTION EXERCISE PRICE AND CONSIDERATION.

          (a)  EXERCISE PRICE.  The per share exercise price for the Shares to
be issued pursuant to exercise of an Option shall be determined by the
Administrator, subject to the following:

               (i)  In the case of an Incentive Stock Option

                    (A)  granted to an Employee who, at the time the Incentive
Stock Option is granted, owns stock representing more than ten percent (10%) of
the voting power of all classes of stock of the Company or any Parent or
Subsidiary, the per Share exercise price shall be no less than 110% of the Fair
Market Value per Share on the date of grant.


                                        -7-
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                    (B)  granted to any Employee other than an Employee
described in paragraph (A) immediately above, the per Share exercise price shall
be no less than 100% of the Fair Market Value per Share on the date of grant.

               (ii) In the case of a Nonstatutory Stock Option, the per Share
exercise price shall be determined by the Administrator.  In the case of a
Nonstatutory Stock Option intended to qualify as "performance-based
compensation" within the meaning of Section 162(m) of the Code, the per Share
exercise price shall be no less than 100% of the Fair Market Value per Share on
the date of grant.

               (iii) Notwithstanding the foregoing, Options may be granted
with a per Share exercise price of less than 100% of the Fair Market Value per
Share on the date of grant pursuant to a merger or other corporate transaction.

          (b)  WAITING PERIOD AND EXERCISE DATES.  At the time an Option is
granted, the Administrator shall fix the period within which the Option may be
exercised and shall determine any conditions which must be satisfied before the
Option may be exercised. 

          (c)  FORM OF CONSIDERATION.  The Administrator shall determine the
acceptable form of consideration for exercising an Option, including the method
of payment.  In the case of an Incentive Stock Option, the Administrator shall
determine the acceptable form of consideration at the time of grant.  Such
consideration may consist entirely of:

               (i)  cash;

               (ii) check;

               (iii) promissory note;

               (iv) other Shares which (A) in the case of Shares acquired upon
exercise of an option, have been owned by the Optionee for more than six months
on the date of surrender, and (B) have a Fair Market Value on the date of
surrender equal to the aggregate exercise price of the Shares as to which said
Option shall be exercised;

               (v)  consideration received by the Company under a cashless
exercise program implemented by the Company in connection with the Plan;

               (vi) a reduction in the amount of any Company liability to
the Optionee, including any liability attributable to the Optionee's
participation in any Company-sponsored deferred compensation program or
arrangement;

               (vii) any combination of the foregoing methods of payment; or


                                        -8-
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               (viii) such other consideration and method of payment for the
issuance of Shares to the extent permitted by Applicable Laws.

     10.  EXERCISE OF OPTION.

          (a)  PROCEDURE FOR EXERCISE; RIGHTS AS A SHAREHOLDER. Any Option
granted hereunder shall be exercisable according to the terms of the Plan and at
such times and under such conditions as determined by the Administrator and set
forth in the Option Agreement.  Unless the Administrator provides otherwise,
vesting of Options granted hereunder shall be tolled during any unpaid leave of
absence.  An Option may not be exercised for a fraction of a Share.

               An Option shall be deemed exercised when the Company receives:
(i) written or electronic notice of exercise (in accordance with the Option
Agreement) from the person entitled to exercise the Option, and (ii) full
payment for the Shares with respect to which the Option is exercised.  Full
payment may consist of any consideration and method of payment authorized by the
Administrator and permitted by the Option Agreement and the Plan.  Shares issued
upon exercise of an Option shall be issued in the name of the Optionee or, if
requested by the Optionee, in the name of the Optionee and his or her spouse. 
Until the Shares are issued (as evidenced by the appropriate entry on the books
of the Company or of a duly authorized transfer agent of the Company), no right
to vote or receive dividends or any other rights as a shareholder shall exist
with respect to the Optioned Stock, notwithstanding the exercise of the Option. 
The Company shall issue (or cause to be issued) such Shares promptly after the
Option is exercised.  No adjustment will be made for a dividend or other right
for which the record date is prior to the date the Shares are issued, except as
provided in Section 13 of the Plan.

               Exercising an Option in any manner shall decrease the number of
Shares thereafter available, both for purposes of the Plan and for sale under
the Option, by the number of Shares as to which the Option is exercised.

          (b)  TERMINATION OF RELATIONSHIP AS A SERVICE PROVIDER.  If an
Optionee ceases to be a Service Provider, other than upon the Optionee's death
or Disability, the Optionee may exercise his or her Option within such period of
time as is specified in the Option Agreement to the extent that the Option is
vested on the date of termination (but in no event later than the expiration of
the term of such Option as set forth in the Option Agreement).  In the absence
of a specified time in the Option Agreement, the Option shall remain exercisable
for three (3) months following the Optionee's termination.  If, on the date of
termination, the Optionee is not vested as to his or her entire Option, the
Shares covered by the unvested portion of the Option shall revert to the Plan. 
If, after termination, the Optionee does not exercise his or her Option within
the time specified by the Administrator, the Option shall terminate, and the
Shares covered by such Option shall revert to the Plan.


                                        -9-
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          (c)  DISABILITY OF OPTIONEE.  If an Optionee ceases to be a Service
Provider as a result of the Optionee's Disability, the Optionee may exercise his
or her Option within such period of time as is specified in the Option Agreement
to the extent the Option is vested on the date of termination (but in no event
later than the expiration of the term of such Option as set forth in the Option
Agreement).  In the absence of a specified time in the Option Agreement, the
Option shall remain exercisable for twelve (12) months following the Optionee's
termination.  If, on the date of termination, the Optionee is not vested as to
his or her entire Option, the Shares covered by the unvested portion of the
Option shall revert to the Plan.  If, after termination, the Optionee does not
exercise his or her Option within the time specified herein, the Option shall
terminate, and the Shares covered by such Option shall revert to the Plan.

          (d)  DEATH OF OPTIONEE.  If an Optionee dies while a Service Provider,
the Option may be exercised within such period of time as is specified in the
Option Agreement (but in no event later than the expiration of the term of such
Option as set forth in the Notice of Grant), by the Optionee's estate or by a
person who acquires the right to exercise the Option by bequest or inheritance,
but only to the extent that the Option is vested on the date of death.  In the
absence of a specified time in the Option Agreement, the Option shall remain
exercisable for twelve (12) months following the Optionee's termination.  If, at
the time of death, the Optionee is not vested as to his or her entire Option,
the Shares covered by the unvested portion of the Option shall immediately
revert to the Plan.  The Option may be exercised by the executor or
administrator of the Optionee's estate or, if none, by the person(s) entitled to
exercise the Option under the Optionee's will or the laws of descent or
distribution.  If the Option is not so exercised within the time specified
herein, the Option shall terminate, and the Shares covered by such Option shall
revert to the Plan.

          (e)  BUYOUT PROVISIONS.  The Administrator may at any time offer to
buy out for a payment in cash or Shares an Option previously granted based on
such terms and conditions as the Administrator shall establish and communicate
to the Optionee at the time that such offer is made.

     11.  STOCK PURCHASE RIGHTS.

          (a)  RIGHTS TO PURCHASE.  Stock Purchase Rights may be issued either
alone, in addition to, or in tandem with other awards granted under the Plan
and/or cash awards made outside of the Plan.  After the Administrator determines
that it will offer Stock Purchase Rights under the Plan, it shall advise the
offeree in writing or electronically, by means of a Notice of Grant, of the
terms, conditions and restrictions related to the offer, including the number of
Shares that the offeree shall be entitled to purchase, the price to be paid, and
the time within which the offeree must accept such offer.  The offer shall be
accepted by execution of a Restricted Stock Purchase Agreement in the form
determined by the Administrator.

          (b)  REPURCHASE OPTION.  Unless the Administrator determines
otherwise, the Restricted Stock Purchase Agreement shall grant the Company a
repurchase option exercisable upon the voluntary or involuntary termination of
the purchaser's service with the Company for any reason 


                                    -10-

<PAGE>

(including death or Disability).  The purchase price for Shares repurchased 
pursuant to the Restricted Stock Purchase Agreement shall be the original 
price paid by the purchaser and may be paid by cancellation of any 
indebtedness of the purchaser to the Company.  The repurchase option shall 
lapse at a rate determined by the Administrator.

          (c)  OTHER PROVISIONS.  The Restricted Stock Purchase Agreement 
shall contain such other terms, provisions and conditions not inconsistent 
with the Plan as may be determined by the Administrator in its sole 
discretion. 

          (d)  RIGHTS AS A SHAREHOLDER.  Once the Stock Purchase Right is 
exercised, the purchaser shall have the rights equivalent to those of a 
shareholder, and shall be a shareholder when his or her purchase is entered 
upon the records of the duly authorized transfer agent of the Company.  No 
adjustment will be made for a dividend or other right for which the record 
date is prior to the date the Stock Purchase Right is exercised, except as 
provided in Section 13 of the Plan.

     12.  NON-TRANSFERABILITY OF OPTIONS AND STOCK PURCHASE RIGHTS.  Unless 
determined otherwise by the Administrator, an Option or Stock Purchase Right 
may not be sold, pledged, assigned, hypothecated, transferred, or disposed of 
in any manner other than by will or by the laws of descent or distribution 
and may be exercised, during the lifetime of the Optionee, only by the 
Optionee.  If the Administrator makes an Option or Stock Purchase Right 
transferable, such Option or Stock Purchase Right shall contain such 
additional terms and conditions as the Administrator deems appropriate.

     13.  ADJUSTMENTS UPON CHANGES IN CAPITALIZATION, DISSOLUTION, MERGER OR
          ASSET SALE. 

          (a)  CHANGES IN CAPITALIZATION.  Subject to any required action by 
the shareholders of the Company, the number of shares of Common Stock covered 
by each outstanding Option and Stock Purchase Right, and the number of shares 
of Common Stock which have been authorized for issuance under the Plan but as 
to which no Options or Stock Purchase Rights have yet been granted or which 
have been returned to the Plan upon cancellation or expiration of an Option 
or Stock Purchase Right, as well as the price per share of Common Stock 
covered by each such outstanding Option or Stock Purchase Right, shall be 
proportionately adjusted for any increase or decrease in the number of issued 
shares of Common Stock resulting from a stock split, reverse stock split, 
stock dividend, combination or reclassification of the Common Stock, or any 
other increase or decrease in the number of issued shares of Common Stock 
effected without receipt of consideration by the Company; provided, however, 
that conversion of any convertible securities of the Company shall not be 
deemed to have been "effected without receipt of consideration."  Such 
adjustment shall be made by the Board, whose determination in that respect 
shall be final, binding and conclusive. Except as expressly provided herein, 
no issuance by the Company of shares of stock of any class, or securities 
convertible into shares of stock of any class, shall affect, and no 
adjustment by reason thereof shall be made with respect to, the number or 
price of shares of Common Stock subject to an Option or Stock Purchase Right.

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<PAGE>

          (b)  DISSOLUTION OR LIQUIDATION.  In the event of the proposed 
dissolution or liquidation of the Company, the Administrator shall notify 
each Optionee as soon as practicable prior to the effective date of such 
proposed transaction.  The Administrator in its discretion may provide for an 
Optionee to have the right to exercise his or her Option until ten (10) days 
prior to such transaction as to all of the Optioned Stock covered thereby, 
including Shares as to which the Option would not otherwise be exercisable.  
In addition, the Administrator may provide that any Company repurchase option 
applicable to any Shares purchased upon exercise of an Option or Stock 
Purchase Right shall lapse as to all such Shares, provided the proposed 
dissolution or liquidation takes place at the time and in the manner 
contemplated.  To the extent it has not been previously exercised, an Option 
or Stock Purchase Right will terminate immediately prior to the consummation 
of such proposed action.

          (c)  MERGER OR ASSET SALE.  In the event of a merger of the Company 
with or into another corporation, or the sale of substantially all of the 
assets of the Company, each outstanding Option and Stock Purchase Right shall 
be assumed or an equivalent option or right substituted by the successor 
corporation or a Parent or Subsidiary of the successor corporation.  In the 
event that the successor corporation refuses to assume or substitute for the 
Option or Stock Purchase Right, the Optionee shall fully vest in and have the 
right to exercise the Option or Stock Purchase Right as to all of the 
Optioned Stock, including Shares as to which it would not otherwise be vested 
or exercisable.  If an Option or Stock Purchase Right becomes fully vested 
and exercisable in lieu of assumption or substitution in the event of a 
merger or sale of assets, the Administrator shall notify the Optionee in 
writing or electronically that the Option or Stock Purchase Right shall be 
fully vested and exercisable for a period of fifteen (15) days from the date 
of such notice, and the Option or Stock Purchase Right shall terminate upon 
the expiration of such period.  For the purposes of this paragraph, the 
Option or Stock Purchase Right shall be considered assumed if, following the 
merger or sale of assets, the option or right confers the right to purchase 
or receive, for each Share of Optioned Stock subject to the Option or Stock 
Purchase Right immediately prior to the merger or sale of assets, the 
consideration (whether stock, cash, or other securities or property) received 
in the merger or sale of assets by holders of Common Stock for each Share 
held on the effective date of the transaction (and if holders were offered a 
choice of consideration, the type of consideration chosen by the holders of a 
majority of the outstanding Shares); provided, however, that if such 
consideration received in the merger or sale of assets is not solely common 
stock of the successor corporation or its Parent, the Administrator may, with 
the consent of the successor corporation, provide for the consideration to be 
received upon the exercise of the Option or Stock Purchase Right, for each 
Share of Optioned Stock subject to the Option or Stock Purchase Right, to be 
solely common stock of the successor corporation or its Parent equal in fair 
market value to the per share consideration received by holders of Common 
Stock in the merger or sale of assets.

     14.  DATE OF GRANT.  The date of grant of an Option or Stock Purchase 
Right shall be, for all purposes, the date on which the Administrator makes 
the determination granting such Option or Stock Purchase Right, or such other 
later date as is determined by the Administrator.  Notice of the 

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<PAGE>

determination shall be provided to each Optionee within a reasonable time 
after the date of such grant.

     15.  AMENDMENT AND TERMINATION OF THE PLAN.

          (a)  AMENDMENT AND TERMINATION.  The Board may at any time amend,
alter, suspend or terminate the Plan.  

          (b)  SHAREHOLDER APPROVAL.  The Company shall obtain shareholder
approval of any Plan amendment to the extent necessary and desirable to comply
with Applicable Laws. 

          (c)  EFFECT OF AMENDMENT OR TERMINATION.  No amendment, alteration,
suspension or termination of the Plan shall impair the rights of any Optionee,
unless mutually agreed otherwise between the Optionee and the Administrator,
which agreement must be in writing and signed by the Optionee and the Company. 
Termination of the Plan shall not affect the Administrator's ability to exercise
the powers granted to it hereunder with respect to Options granted under the
Plan prior to the date of such termination.

     16.  CONDITIONS UPON ISSUANCE OF SHARES.  

          (a)  LEGAL COMPLIANCE.  Shares shall not be issued pursuant to the
exercise of an Option or Stock Purchase Right unless the exercise of such Option
or Stock Purchase Right and the issuance and delivery of such Shares shall
comply with Applicable Laws and shall be further subject to the approval of
counsel for the Company with respect to such compliance.

          (b)  INVESTMENT REPRESENTATIONS.  As a condition to the exercise of an
Option or Stock Purchase Right, the Company may require the person exercising
such Option or Stock Purchase Right to represent and warrant at the time of any
such exercise that the Shares are being purchased only for investment and
without any present intention to sell or distribute such Shares if, in the
opinion of counsel for the Company, such a representation is required.

     17.  INABILITY TO OBTAIN AUTHORITY.  The inability of the Company to obtain
authority from any regulatory body having jurisdiction, which authority is
deemed by the Company's counsel to be necessary to the lawful issuance and sale
of any Shares hereunder, shall relieve the Company of any liability in respect
of the failure to issue or sell such Shares as to which such requisite authority
shall not have been obtained.

     18.  RESERVATION OF SHARES.  The Company, during the term of this Plan,
will at all times reserve and keep available such number of Shares as shall be
sufficient to satisfy the requirements of the Plan.

                                      13

<PAGE>

     19.  SHAREHOLDER APPROVAL.  The Plan shall be subject to approval by the
shareholders of the Company within twelve (12) months after the date the Plan is
adopted.  Such shareholder approval shall be obtained in the manner and to the
degree required under Applicable Laws. 
      
                                      14

<PAGE>

                                   1998 STOCK PLAN

                                STOCK OPTION AGREEMENT


     Unless otherwise defined herein, the terms defined in the Plan shall have
the same defined meanings in this Option Agreement.

I.  NOTICE OF STOCK OPTION GRANT

[Optionee's Name and Address]

     You have been granted an option to purchase Common Stock of the Company,
subject to the terms and conditions of the Plan and this Option Agreement, as
follows:

     Grant Number                  
                                           -------------------------

     Date of Grant                 
                                           -------------------------

     Vesting Commencement Date     
                                           -------------------------

     Exercise Price per Share      
                                           $------------------------
  
     Total Number of Shares Granted     
                                           -------------------------

     Total Exercise Price               
                                           $------------------------

     Type of Option:                       ----  Incentive Stock Option

                                           ----  Nonstatutory Stock Option

     Term/Expiration Date:             
                                           -------------------------


VESTING SCHEDULE:

     This Option may be exercised, in whole or in part, in accordance with the
following schedule:

     20% of the Shares subject to the Option shall vest twelve months after the
Vesting Commencement Date, and 20% of the Shares subject to the Option shall
vest every twelve months thereafter, subject to the Optionee continuing to be a
Service Provider on such dates.

<PAGE>

     TERMINATION PERIOD:

     This Option may be exercised for three (3) months after Optionee ceases 
to be a Service Provider.  Upon the death or Disability of the Optionee, this 
Option may be exercised for one year after Optionee ceases to be a Service 
Provider.  In no event shall this Option be exercised later than the 
Term/Expiration Date as provided above.

II.  AGREEMENT

     1.  GRANT OF OPTION.  The Plan Administrator of the Company hereby 
grants to the Optionee named in the Notice of Grant attached as Part I of 
this Agreement (the "Optionee") an option (the "Option") to purchase the 
number of Shares, as set forth in the Notice of Grant, at the exercise price 
per share set forth in the Notice of Grant (the "Exercise Price"), subject to 
the terms and conditions of the Plan, which is incorporated herein by 
reference.  Subject to Section 15(c) of the Plan, in the event of a conflict 
between the terms and conditions of the Plan and the terms and conditions of 
this Option Agreement, the terms and conditions of the Plan shall prevail.

         If designated in the Notice of Grant as an Incentive Stock Option 
("ISO"), this Option is intended to qualify as an Incentive Stock Option 
under Section 422 of the Code.  However, if this Option is intended to be an 
Incentive Stock Option, to the extent that it exceeds the $100,000 rule of 
Code Section 422(d) it shall be treated as a Nonstatutory Stock Option 
("NSO").

     2.  EXERCISE OF OPTION.

         (a)  RIGHT TO EXERCISE.  This Option is exercisable during its term 
in accordance with the Vesting Schedule set out in the Notice of Grant and 
the applicable provisions of the Plan and this Option Agreement.

         (b)  METHOD OF EXERCISE.  This Option is exercisable by delivery of 
an exercise notice, in the form attached as Exhibit A (the "Exercise 
Notice"), which shall state the election to exercise the Option, the number 
of Shares in respect of which the Option is being exercised (the "Exercised 
Shares"), and such other representations and agreements as may be required by 
the Company pursuant to the provisions of the Plan.  The Exercise Notice 
shall be completed by the Optionee and delivered to the Manager of 
Shareholder Services of the Company.  The Exercise Notice shall be 
accompanied by payment of the aggregate Exercise Price as to all Exercised 
Shares.  This Option shall be deemed to be exercised upon receipt by the 
Company of such fully executed Exercise Notice accompanied by such aggregate 
Exercise Price.

         No Shares shall be issued pursuant to the exercise of this Option 
unless such issuance and exercise complies with Applicable Laws.  Assuming 
such compliance, for income tax purposes the Exercised Shares shall be 
considered transferred to the Optionee on the date the Option is exercised 
with respect to such Exercised Shares.


                                       -2-

<PAGE>

     3.  METHOD OF PAYMENT.  Payment of the aggregate Exercise Price shall be 
by any of the following, or a combination thereof, at the election of the 
Optionee:

         (a)  cash; or

         (b)  check; or

         (c)  consideration received by the Company under a cashless exercise 
program implemented by the Company in connection with the Plan; or 

         (d)  surrender of other Shares which (i) in the case of Shares 
acquired upon exercise of an option, have been owned by the Optionee for more 
than six (6) months on the date of surrender, AND (ii) have a Fair Market 
Value on the date of surrender equal to the aggregate Exercise Price of the 
Exercised Shares; or

         (e)  with the Administrator's consent, delivery of Optionee's 
promissory note (the "Note") in the form attached hereto as Exhibit C, in the 
amount of the aggregate Exercise Price of the Exercised Shares together with 
the execution and delivery by the Optionee of the Security Agreement attached 
hereto as Exhibit B.  The Note shall bear interest at the "applicable federal 
rate" prescribed under the Code and its regulations at time of purchase, and 
shall be secured by a pledge of the Shares purchased by the Note pursuant to 
the Security Agreement.

     4.  NON-TRANSFERABILITY OF OPTION.  This Option may not be transferred 
in any manner otherwise than by will or by the laws of descent or 
distribution and may be exercised during the lifetime of Optionee only by the 
Optionee.  The terms of the Plan and this Option Agreement shall be binding 
upon the executors, administrators, heirs, successors and assigns of the 
Optionee.

     5.  TERM OF OPTION.  This Option may be exercised only within the term 
set out in the Notice of Grant, and may be exercised during such term only in 
accordance with the Plan and the terms of this Option Agreement.

     6.  TAX CONSEQUENCES.  Some of the federal tax consequences relating to 
this Option, as of the date of this Option, are set forth below.  THIS 
SUMMARY IS NECESSARILY INCOMPLETE, AND THE TAX LAWS AND REGULATIONS ARE 
SUBJECT TO CHANGE.  THE OPTIONEE SHOULD CONSULT A TAX ADVISER BEFORE 
EXERCISING THIS OPTION OR DISPOSING OF THE SHARES.

         (a)  EXERCISING THE OPTION.

              (i)  NONSTATUTORY STOCK OPTION.  The Optionee may incur regular 
federal income tax liability upon exercise of a NSO.  The Optionee will be 
treated as having received compensation income (taxable at ordinary income 
tax rates) equal to the excess, if any, of the Fair 


                                       -3-

<PAGE>

Market Value of the Exercised Shares on the date of exercise over their 
aggregate Exercise Price.  If the Optionee is an Employee or a former 
Employee, the Company will be required to withhold from his or her 
compensation or collect from Optionee and pay to the applicable taxing 
authorities an amount in cash equal to a percentage of this compensation 
income at the time of exercise, and may refuse to honor the exercise and 
refuse to deliver Shares if such withholding amounts are not delivered at the 
time of exercise.

              (ii) INCENTIVE STOCK OPTION.  If this Option qualifies as an 
ISO, the Optionee will have no regular federal income tax liability upon its 
exercise, although the excess, if any, of the Fair Market Value of the 
Exercised Shares on the date of exercise over their aggregate Exercise Price 
will be treated as an adjustment to alternative minimum taxable income for 
federal tax purposes and may subject the Optionee to alternative minimum tax 
in the year of exercise.  In the event that the Optionee ceases to be an 
Employee but remains a Service Provider, any Incentive Stock Option of the 
Optionee that remains unexercised shall cease to qualify as an Incentive 
Stock Option and will be treated for tax purposes as a Nonstatutory Stock 
Option on the date three (3) months and one (1) day following such change of 
status.

         (b)  DISPOSITION OF SHARES.

              (i)  NSO.  If the Optionee holds NSO Shares for at least one 
year, any gain realized on disposition of the Shares will be treated as 
long-term capital gain for federal income tax purposes.

              (ii) ISO.  If the Optionee holds ISO Shares for at least one 
year after exercise and two years after the grant date, any gain realized on 
disposition of the Shares will be treated as long-term capital gain for 
federal income tax purposes.  If the Optionee disposes of ISO Shares within 
one year after exercise or two years after the grant date, any gain realized 
on such disposition will be treated as compensation income (taxable at 
ordinary income rates) to the extent of the excess, if any, of the lesser of 
(A) the difference between the Fair Market Value of the Shares acquired on 
the date of exercise and the aggregate Exercise Price, or (B) the difference 
between the sale price of such Shares and the aggregate Exercise Price.  Any 
additional gain will be taxed as capital gain, short-term or long-term 
depending on the period that the ISO Shares were held.

         (c)  NOTICE OF DISQUALIFYING DISPOSITION OF ISO SHARES.  If the 
Optionee sells or otherwise disposes of any of the Shares acquired pursuant 
to an ISO on or before the later of (i) two years after the grant date, or 
(ii) one year after the exercise date, the Optionee shall immediately notify 
the Company in writing of such disposition.  The Optionee agrees that he or 
she may be subject to income tax withholding by the Company on the 
compensation income recognized from such early disposition of ISO Shares by 
payment in cash or out of the current earnings paid to the Optionee.


                                       -4-

<PAGE>

     7.  ENTIRE AGREEMENT; GOVERNING LAW.  The Plan is incorporated herein by 
reference.  The Plan and this Option Agreement constitute the entire 
agreement of the parties with respect to the subject matter hereof and 
supersede in their entirety all prior undertakings and agreements of the 
Company and Optionee with respect to the subject matter hereof, and may not 
be modified adversely to the Optionee's interest except by means of a writing 
signed by the Company and Optionee.  This agreement is governed by the 
internal substantive laws, but not the choice of law rules, of Delaware.

     8.  NO GUARANTEE OF CONTINUED SERVICE.  OPTIONEE ACKNOWLEDGES AND AGREES 
THAT THE VESTING OF SHARES PURSUANT TO THE VESTING SCHEDULE HEREOF IS EARNED 
ONLY BY CONTINUING AS A SERVICE PROVIDER AT THE WILL OF THE COMPANY (AND NOT 
THROUGH THE ACT OF BEING HIRED, BEING GRANTED AN OPTION OR PURCHASING SHARES 
HEREUNDER).  OPTIONEE FURTHER ACKNOWLEDGES AND AGREES THAT THIS AGREEMENT, 
THE TRANSACTIONS CONTEMPLATED HEREUNDER AND THE VESTING SCHEDULE SET FORTH 
HEREIN DO NOT CONSTITUTE AN EXPRESS OR IMPLIED PROMISE OF CONTINUED 
ENGAGEMENT AS A SERVICE PROVIDER FOR THE VESTING PERIOD, FOR ANY PERIOD, OR 
AT ALL, AND SHALL NOT INTERFERE WITH OPTIONEE'S RIGHT OR THE COMPANY'S RIGHT 
TO TERMINATE OPTIONEE'S RELATIONSHIP AS A SERVICE PROVIDER AT ANY TIME, WITH 
OR WITHOUT CAUSE.

     9.  VESTING ACCELERATION ON CHANGE OF CONTROL.

              (a)  VESTING ACCELERATION.  In the event of a "Change of 
Control," all of the Optionee's rights to purchase stock under this Agreement 
with the Company shall be automatically vested in their entirety on an 
accelerated basis and be fully exercisable:

                   (i)   as of the date immediately preceding such "Change of 
Control" in the event this stock option agreement is or will be terminated or 
canceled (except by mutual consent) or any successor to the Company fails to 
assume and agree to perform such stock option agreement as provided in 
Section 9(a) hereof at or prior to such time as any such person becomes a 
successor to the Company; or

                   (ii)  as of the date immediately preceding such "Change of 
Control" in the event the Optionee does not or will not receive upon exercise 
of the Optionee's stock purchase rights under such stock option agreement the 
same identical securities and/or other consideration as is received by all 
other shareholders in any merger, consolidation, sale, exchange or similar 
transaction occurring upon or after such "Change of Control;" or

                   (iii) as of the date immediately preceding any "Involuntary 
Termination" of the Optionee occurring upon or after any such "Change of 
Control;" or


                                       -5-

<PAGE>

                   (iv)  as of the date one (1) year following the first such 
"Change of Control," provided that the Optionee shall have remained an 
employee of the Company continuously throughout such one-year period, other 
than a termination as a result of death or disability;

whichever shall first occur (all quoted terms as defined below).

              (b)  CHANGE OF CONTROL.  "Change of Control" means the 
occurrence of any of the following events:

                       (i)   Any "person" (as such term is used in 
Sections 13(d) and 14(d) of the Securities Exchange Act of 1934, as amended) 
is or becomes the "beneficial owner" (as defined in Rule 13d-3 under said 
Act), directly or indirectly, of securities of the Company representing fifty 
percent (50%) or more of the total voting power represented by the Company's 
then outstanding voting securities; or

                       (ii)  A change in the composition of the Board of 
Directors of the Company occurring within a two-year period as a result of 
which fewer than a majority of the directors are "Incumbent Directors."  
"Incumbent Directors" shall mean directors who either (A) are directors of 
the Company as of the date hereof, or (B) are elected, or nominated for 
election, to the Board of Directors with the affirmative votes (either by a 
specific vote or by approval of the proxy statement of the Company in which 
such person is named as a nominee for election as a director without 
objection to such nomination) of at least a majority of the Incumbent 
Directors at the time of such election or nomination; or 

                       (iii) The consummation of (A) a merger or 
consolidation of the Company with any other entity, other than a merger or 
consolidation which would result in the voting securities of the Company 
outstanding immediately prior thereto continuing to represent (either by 
remaining outstanding or by being converted into voting securities of the 
surviving entity or the entity that controls the Company or such surviving 
entity) at least fifty percent (50%) of the total voting power represented by 
the voting securities of the Company or such surviving entity or the entity 
that controls the Company or such surviving entity outstanding immediately 
after such merger or consolidation, or (B) the sale or disposition by the 
Company of all or substantially all the Company's assets; or

                       (iv)  The shareholders approve a plan of complete 
liquidation of the Company.

              (c)  INVOLUNTARY TERMINATION.  "Involuntary Termination" shall 
mean without the Optionee's written consent:  (i) a termination by the 
Company of the Optionee's employment with the Company other than for Cause; 
(ii) a material reduction of or variation in the Optionee's duties, authority 
or responsibilities, relative to the Optionee's duties, authority or 
responsibilities as in effect immediately prior to such reduction or 
variation; (iii) a reduction by the 


                                       -6-

<PAGE>

Company in the base salary of the Optionee as in effect immediately prior to 
such reduction; (iv) a material reduction by the Company in the kind or level 
of employee benefits, including bonuses, to which the Optionee was entitled 
immediately prior to such reduction, with the result that the Optionee's 
overall benefits package is materially reduced; (v) the relocation of the 
Optionee to a facility or a location more than thirty (30) miles from the 
Optionee's then present location; (vi) the failure of the Company to obtain 
the assumption of this Agreement by any successor as required in Section 12, 
or (vii) any act or set of facts that would under applicable law constitute a 
constructive termination of Optionee.

               (d)  CAUSE.  "Cause" shall mean (i) any willful act of 
personal dishonesty, fraud or misrepresentation taken by the Optionee in 
connection with his or her responsibilities as an employee which was intended 
to result in substantial gain or personal enrichment of the Optionee at the 
expense of the Company and was materially and demonstrably injurious to the 
Company; (ii) the Optionee's conviction of a felony on account of any act 
which was materially and demonstrably injurious to the Company; or (iii) the 
Optionee's willful and continued failure to substantially perform his or her 
principal duties and obligations of employment including under any written 
agreements (other than any such failure resulting from incapacity due to 
physical or mental illness), which failure is not remedied in a reasonable 
period of time after receipt of written notice from the Company.  For the 
purposes of this Section 9(d), no act or failure to act shall be considered 
"willful" unless done or omitted to be done in bad faith and without 
reasonable belief that the act or omission was in or not opposed to the best 
interests of the Company.  Any act or failure to act based upon authority 
given pursuant to a resolution duly adopted by the Board of Directors of the 
Company or based upon the advice of counsel for the Company shall be 
conclusively presumed to be done or omitted to be done in good faith and in 
the best interests of the Company.

               (e)  VOLUNTARY RESIGNATION; TERMINATION FOR CAUSE.  If the 
Optionee terminates employment as a result of an Involuntary Termination, the 
Optionee shall be entitled to receive accelerated vesting under Section 9(a) 
hereof.  If the Optionee's continuous status as an employee of the Company 
terminates by reason of the Optionee's voluntary resignation (and not 
Involuntary Termination) or if the Optionee's continuous status as an 
employee of the Company is terminated for Cause, in either case prior to such 
time as accelerated vesting occurs as provided in Section 9(a) hereof, then 
the Optionee shall not be entitled to receive accelerated vesting under 
Section 9(a) hereof.

     10.  SUCCESSORS.  Any successor to the Company (whether direct or 
indirect and whether by purchase, merger or consolidation) shall assume the 
obligations under this Agreement and agree expressly to perform the 
obligations under this Agreement in the same manner and to the same extent as 
the Company would be required to perform such obligations in the absence of a 
succession.  The terms of this Agreement and all rights of the Optionee 
hereunder shall inure to the benefit of, and be enforceable by, the 
Optionee's personal or legal representatives, executors, administrators, 
successors, heirs, distributees, devisees and legatees


                                      -7-
<PAGE>

     By your signature and the signature of the Company's representative 
below, you and the Company agree that this Option is granted under and 
governed by the terms and conditions of the Plan and this Option Agreement.  
Optionee has reviewed the Plan and this Option Agreement in their entirety, 
has had an opportunity to obtain the advice of counsel prior to executing 
this Option Agreement and fully understands all provisions of the Plan and 
Option Agreement. Optionee hereby agrees to accept as binding, conclusive and 
final all decisions or interpretations of the Administrator upon any 
questions relating to the Plan and Option Agreement.  Optionee further agrees 
to notify the Company upon any change in the residence address indicated 
below.

OPTIONEE:                               ACCESS HEALTH, INC.




------------------------------------    --------------------------------------
Signature                               By


------------------------------------    --------------------------------------
Print Name                              Title


------------------------------------
Residence Address


------------------------------------


                                  CONSENT OF SPOUSE

     The undersigned spouse of Optionee has read and hereby approves the terms
and conditions of the Plan and this Option Agreement.  In consideration of the
Company's granting his or her spouse the right to purchase Shares as set forth
in the Plan and this Option Agreement, the undersigned hereby agrees to be
irrevocably bound by the terms and conditions of the Plan and this Option
Agreement and further agrees that any community property interest shall be
similarly bound.  The undersigned hereby appoints the undersigned's spouse as
attorney-in-fact for the undersigned with respect to any amendment or exercise
of rights under the Plan or this Option Agreement.
               
                                   _______________________________________
                                   Spouse of Optionee 



                                     -8-
<PAGE>

                                      EXHIBIT A

                                   1998 STOCK PLAN

                                   EXERCISE NOTICE


Access Health, Inc.
310 Interlocken Parkway, Suite A
Broomfield, CO  80021

Attention:  Manager of Shareholder Services  

     1.   EXERCISE OF OPTION.  Effective as of today, ________________, 
199__, the undersigned ("Purchaser") hereby elects to purchase ______________ 
shares (the "Shares") of the Common Stock of Access Health, Inc. (the 
"Company") under and pursuant to the 1998 Stock Plan (the "Plan") and the 
Stock Option Agreement dated _______________ , 19___ (the "Option 
Agreement").  The purchase price for the Shares shall be $____________, as 
required by the Option Agreement.

     2.   DELIVERY OF PAYMENT.  Purchaser herewith delivers to the Company the
full purchase price for the Shares.

     3.   REPRESENTATIONS OF PURCHASER.  Purchaser acknowledges that Purchaser
has received, read and understood the Plan and the Option Agreement and agrees
to abide by and be bound by their terms and conditions.

     4.   RIGHTS AS SHAREHOLDER.  Until the issuance (as evidenced by the
appropriate entry on the books of the Company or of a duly authorized transfer
agent of the Company) of the Shares, no right to vote or receive dividends or
any other rights as a shareholder shall exist with respect to the Optioned
Stock, notwithstanding the exercise of the Option.  The Shares so acquired shall
be issued to the Optionee as soon as practicable after exercise of the Option. 
No adjustment will be made for a dividend or other right for which the record
date is prior to the date of issuance, except as provided in Section 13 of the
Plan.

     5.   TAX CONSULTATION.  Purchaser understands that Purchaser may suffer
adverse tax consequences as a result of Purchaser's purchase or disposition of
the Shares.  Purchaser represents that Purchaser has consulted with any tax
consultants Purchaser deems advisable in connection with the purchase or
disposition of the Shares and that Purchaser is not relying on the Company for
any tax advice.

     6.   ENTIRE AGREEMENT; GOVERNING LAW.  The Plan and Option Agreement are
incorporated herein by reference.  This Agreement, the Plan and the Option
Agreement constitute the entire agreement of the parties with respect to the
subject matter hereof and supersede in their entirety all prior undertakings and
agreements of the Company and Purchaser with respect to the subject matter
hereof, and may not be modified adversely to the Purchaser's interest except by
means of a writing 



<PAGE>

signed by the Company and Purchaser.  This agreement is governed by the 
internal substantive laws, but not the choice of law rules, of Delaware.

Submitted by:                           Accepted by:

PURCHASER:                              ACCESS HEALTH, INC.


----------------------------------      -------------------------------------
Signature                               By


----------------------------------      -------------------------------------
Print Name                              Its


ADDRESS:                                ADDRESS:

----------------------------------      Access Health, Inc.
                                        310 Interlocken Parkway, Suite A
----------------------------------      Broomfield, CO  80021


                                        -------------------------------------
                                        Date Received 


                                      -2-
<PAGE>

                                      EXHIBIT B

                                  SECURITY AGREEMENT



     This Security Agreement is made as of __________, 19___ between Access
Health, Inc., a Delaware corporation ("Pledgee"), and _________________________
("Pledgor").


                                       RECITALS

     Pursuant to Pledgor's election to purchase Shares under the Option
Agreement dated ________ (the "Option"), between Pledgor and Pledgee under
Pledgee's 1998 Stock Plan, and Pledgor's election under the terms of the Option
to pay for such shares with his promissory note (the "Note"), Pledgor has
purchased _________ shares of Pledgee's Common Stock (the "Shares") at a price
of $________ per share, for a total purchase price of $__________.  The Note and
the obligations thereunder are as set forth in Exhibit C to the Option.

     NOW, THEREFORE, it is agreed as follows:

     1.   CREATION AND DESCRIPTION OF SECURITY INTEREST.  In consideration of
the transfer of the Shares to Pledgor under the Option Agreement, Pledgor,
pursuant to the Delaware Commercial Code, hereby pledges all of such Shares
(herein sometimes referred to as the "Collateral") represented by certificate
number ______, duly endorsed in blank or with executed stock powers, and
herewith delivers said certificate to the Secretary of Pledgee ("Pledgeholder"),
who shall hold said certificate subject to the terms and conditions of this
Security Agreement.

     The pledged stock (together with an executed blank stock assignment for use
in transferring all or a portion of the Shares to Pledgee if, as and when
required pursuant to this Security Agreement) shall be held by the Pledgeholder
as security for the repayment of the Note, and any extensions or renewals
thereof, to be executed by Pledgor pursuant to the terms of the Option, and the
Pledgeholder shall not encumber or dispose of such Shares except in accordance
with the provisions of this Security Agreement.

     2.   PLEDGOR'S REPRESENTATIONS AND COVENANTS.  To induce Pledgee to enter
into this Security Agreement, Pledgor represents and covenants to Pledgee, its
successors and assigns, as follows:

          a.   PAYMENT OF INDEBTEDNESS.  Pledgor will pay the principal sum of
the Note secured hereby, together with interest thereon, at the time and in the
manner provided in the Note.

          b.   ENCUMBRANCES.  The Shares are free of all other encumbrances,
defenses and liens, and Pledgor will not further encumber the Shares without the
prior written consent of Pledgee.


<PAGE>

          c.   MARGIN REGULATIONS.  In the event that Pledgee's Common Stock is
now or later becomes margin-listed by the Federal Reserve Board and Pledgee is
classified as a "lender" within the meaning of the regulations under Part 207 of
Title 12 of the Code of Federal Regulations ("Regulation G"), Pledgor agrees to
cooperate with Pledgee in making any amendments to the Note or providing any
additional collateral as may be necessary to comply with such regulations.

     3.   VOTING RIGHTS.  During the term of this pledge and so long as all
payments of principal and interest are made as they become due under the terms
of the Note, Pledgor shall have the right to vote all of the Shares pledged
hereunder.

     4.   STOCK ADJUSTMENTS.  In the event that during the term of the pledge
any stock dividend, reclassification, readjustment or other changes are declared
or made in the capital structure of Pledgee, all new, substituted and additional
shares or other securities issued by reason of any such change shall be
delivered to and held by the Pledgee under the terms of this Security Agreement
in the same manner as the Shares originally pledged hereunder.  In the event of
substitution of such securities, Pledgor, Pledgee and Pledgeholder shall
cooperate and execute such documents as are reasonable so as to provide for the
substitution of such Collateral and, upon such substitution, references to
"Shares" in this Security Agreement shall include the substituted shares of
capital stock of Pledgor as a result thereof.

     5.   OPTIONS AND RIGHTS.  In the event that, during the term of this
pledge, subscription Options or other rights or options shall be issued in
connection with the pledged Shares, such rights, Options and options shall be
the property of Pledgor and, if exercised by Pledgor, all new stock or other
securities so acquired by Pledgor as it relates to the pledged Shares then held
by Pledgeholder shall be immediately delivered to Pledgeholder, to be held under
the terms of this Security Agreement in the same manner as the Shares pledged.

     6.   DEFAULT.  Pledgor shall be deemed to be in default of the Note and of
this Security Agreement in the event:

          a.   Payment of principal or interest on the Note shall be delinquent
for a period of 10 days or more; or

          b.   Pledgor fails to perform any of the covenants set forth in the
Option or contained in this Security Agreement for a period of 10 days after
written notice thereof from Pledgee.

     In the case of an event of Default, as set forth above, Pledgee shall have
the right to accelerate payment of the Note upon notice to Pledgor, and Pledgee
shall thereafter be entitled to pursue its remedies under the Delaware
Commercial Code.

                                       -2-

<PAGE>

     7.   RELEASE OF COLLATERAL.  Subject to any applicable contrary rules under
Regulation G, there shall be released from this pledge a portion of the pledged
Shares held by Pledgeholder hereunder upon payments of the principal of the
Note.  The number of the pledged Shares which shall be released shall be that
number of full Shares which bears the same proportion to the initial number of
Shares pledged hereunder as the payment of principal bears to the initial full
principal amount of the Note.

     8.   WITHDRAWAL OR SUBSTITUTION OF COLLATERAL.  Pledgor shall not sell,
withdraw, pledge, substitute or otherwise dispose of all or any part of the
Collateral without the prior written consent of Pledgee.

     9.   TERM.  The within pledge of Shares shall continue until the payment of
all indebtedness secured hereby, at which time the remaining pledged stock shall
be promptly delivered to Pledgor, subject to the provisions for prior release of
a portion of the Collateral as provided in paragraph 7 above.

     10.  INSOLVENCY.  Pledgor agrees that if a bankruptcy or insolvency
proceeding is instituted by or against it, or if a receiver is appointed for the
property of Pledgor, or if Pledgor makes an assignment for the benefit of
creditors, the entire amount unpaid on the Note shall become immediately due and
payable, and Pledgee may proceed as provided in the case of default.

     11.  PLEDGEHOLDER LIABILITY.  In the absence of willful or gross
negligence, Pledgeholder shall not be liable to any party for any of his acts,
or omissions to act, as Pledgeholder.

     12.  INVALIDITY OF PARTICULAR PROVISIONS.  Pledgor and Pledgee agree that
the enforceability or invalidity of any provision or provisions of this Security
Agreement shall not render any other provision or provisions herein contained
unenforceable or invalid.

     13.  SUCCESSORS OR ASSIGNS.  Pledgor and Pledgee agree that all of the
terms of this Security Agreement shall be binding on their respective successors
and assigns, and that the term "Pledgor" and the term "Pledgee" as used herein
shall be deemed to include, for all purposes, the respective designees,
successors, assigns, heirs, executors and administrators.

     14.  GOVERNING LAW.  This Security Agreement shall be interpreted and
governed under the internal substantive laws, but not the choice of law rules,
of Delaware.

                                       -3-

<PAGE>
 
     IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the day and year first above written.



     "PLEDGOR"                 
                                   ---------------------------------
                                   Signature
                                   ---------------------------------
                                   Print Name

                         Address: 
                                   ---------------------------------
                                   ---------------------------------

     "PLEDGEE"                     Access Health, Inc.,
                                   a Delaware corporation


                                   --------------------------------
                                   Signature
                                   --------------------------------
                                   Print Name
                                   --------------------------------
                                   Title


     "PLEDGEHOLDER"             
                                   --------------------------------
                                   Secretary of 
                                   Access Health, Inc.

                                       -4-

<PAGE>
 
                                      EXHIBIT C

                                         NOTE


$                                                          Broomfield, Colorado
 --------------- 
                                                          ______________, 19___
                                                               
     FOR VALUE RECEIVED, _______________ promises to pay to Access Health, Inc.,
a Delaware corporation (the "Company"), or order, the principal sum of
_______________________ ($_____________), together with interest on the unpaid
principal hereof from the date hereof at the rate of _______________ percent
(____%) per annum, compounded semiannually.

     Principal and interest shall be due and payable on __________, 19___.  
Payment of principal and interest shall be made in lawful money of the United
States of America.

     The undersigned may at any time prepay all or any portion of the principal
or interest owing hereunder.

     This Note is subject to the terms of the Option, dated as of
________________.  This Note is secured in part by a pledge of the Company's
Common Stock under the terms of a Security Agreement of even date herewith and
is subject to all the provisions thereof.

     The holder of this Note shall have full recourse against the undersigned,
and shall not be required to proceed against the collateral securing this Note
in the event of default.

     In the event the undersigned shall cease to be an employee, director or
consultant of the Company for any reason, this Note shall, at the option of the
Company, be accelerated, and the whole unpaid balance on this Note of principal
and accrued interest shall be immediately due and payable.

     Should any action be instituted for the collection of this Note, the
reasonable costs and attorneys' fees therein of the holder shall be paid by the
undersigned.


                                     ------------------------------------

                                     ------------------------------------

<PAGE>

                                   1998 STOCK PLAN

                       NOTICE OF GRANT OF STOCK PURCHASE RIGHT


     Unless otherwise defined herein, the terms defined in the Plan shall have
the same defined meanings in this Notice of Grant.

[Grantee's Name and Address]

     You have been granted the right to purchase Common Stock of the Company,
subject to the Company's Repurchase Option and your ongoing status as a Service
Provider (as described in the Plan and the attached Restricted Stock Purchase
Agreement), as follows:

     Grant Number                      
                                        -------------------------
     Date of Grant                 
                                        -------------------------
     Price Per Share                    $
                                         ------------------------
     Total Number of Shares Subject   
       to This Stock Purchase Right     -------------------------

     Expiration Date:                
                                        -------------------------

     YOU MUST EXERCISE THIS STOCK PURCHASE RIGHT BEFORE THE EXPIRATION DATE OR
IT WILL TERMINATE AND YOU WILL HAVE NO FURTHER RIGHT TO PURCHASE THE SHARES.  By
your signature and the signature of the Company's representative below, you and
the Company agree that this Stock Purchase Right is granted under and governed
by the terms and conditions of the 1998 Stock Plan and the Restricted Stock
Purchase Agreement, attached hereto as Exhibit A-1, both of which are made a
part of this document.  You further agree to execute the attached Restricted
Stock Purchase Agreement as a condition to purchasing any shares under this
Stock Purchase Right.

GRANTEE:                           ACCESS HEALTH, INC.


---------------------------       --------------------------------
Signature                         By

---------------------------       --------------------------------
Print Name                        Title

<PAGE>

                                     EXHIBIT A-1

                                   1998 STOCK PLAN

                         RESTRICTED STOCK PURCHASE AGREEMENT

     Unless otherwise defined herein, the terms defined in the Plan shall have
the same defined meanings in this Restricted Stock Purchase Agreement.

     WHEREAS the Purchaser named in the Notice of Grant, (the "Purchaser") is an
Service Provider, and the Purchaser's continued participation is considered by
the Company to be important for the Company's continued growth; and

     WHEREAS in order to give the Purchaser an opportunity to acquire an equity
interest in the Company as an incentive for the Purchaser to participate in the
affairs of the Company, the Administrator has granted to the Purchaser a Stock
Purchase Right subject to the terms and conditions of the Plan and the Notice of
Grant, which are incorporated herein by reference, and pursuant to this
Restricted Stock Purchase Agreement (the "Agreement").

     NOW THEREFORE, the parties agree as follows:

     1.   SALE OF STOCK.  The Company hereby agrees to sell to the Purchaser and
the Purchaser hereby agrees to purchase shares of the Company's Common Stock
(the "Shares"), at the per Share purchase price and as otherwise described in
the Notice of Grant.

     2.   PAYMENT OF PURCHASE PRICE.  The purchase price for the Shares may be
paid by delivery to the Company at the time of execution of this Agreement of
cash, a check, or some combination thereof.

     3.   REPURCHASE OPTION.

          (a)  In the event the Purchaser ceases to be a Service Provider for
any or no reason (including death or disability) before all of the Shares are
released from the Company's Repurchase Option (see Section 4), the Company
shall, upon the date of such termination (as reasonably fixed and determined by
the Company) have an irrevocable, exclusive option (the "Repurchase Option") for
a period of sixty (60) days from such date to repurchase up to that number of
shares which constitute the Unreleased Shares (as defined in Section 4) at the
original purchase price per share (the "Repurchase Price").  The Repurchase
Option shall be exercised by the Company by delivering written notice to the
Purchaser or the Purchaser's executor (with a copy to the Escrow Holder) AND, at
the Company's option, (i) by delivering to the Purchaser or the Purchaser's
executor a check in the amount of the aggregate Repurchase Price, or (ii) by
cancelling an amount of the Purchaser's indebtedness to the Company equal to the
aggregate Repurchase Price, or (iii) by a combination of (i) and (ii) so that
the combined payment and cancellation of indebtedness equals the aggregate
Repurchase Price.  Upon delivery of such notice and the payment of the aggregate
Repurchase Price, the Company shall become the legal and beneficial owner of the
Shares being repurchased and all 

<PAGE>

rights and interests therein or relating thereto, and the Company shall have 
the right to retain and transfer to its own name the number of Shares being 
repurchased by the Company.

          (b)  Whenever the Company shall have the right to repurchase Shares
hereunder, the Company may designate and assign one or more employees, officers,
directors or shareholders of the Company or other persons or organizations to
exercise all or a part of the Company's purchase rights under this Agreement and
purchase all or a part of such Shares.  If the Fair Market Value of the Shares
to be repurchased on the date of such designation or assignment (the "Repurchase
FMV") exceeds the aggregate Repurchase Price of such Shares, then each such
designee or assignee shall pay the Company cash equal to the difference between
the Repurchase FMV and the aggregate Repurchase Price of such Shares.

     4.   RELEASE OF SHARES FROM REPURCHASE OPTION.

          (a)  _______________________  percent (______%) of the Shares shall be
released from the Company's Repurchase Option    [ONE YEAR]    after the Date of
Grant and __________________ percent (______%) of the Shares [AT THE END OF EACH
YEAR THEREAFTER], provided that the Purchaser does not cease to be a Service
Provider prior to the date of any such release.

          (b)  Any of the Shares that have not yet been released from the
Repurchase Option are referred to herein as "Unreleased Shares."

          (c)  The Shares that have been released from the Repurchase Option
shall be delivered to the Purchaser at the Purchaser's request (see Section 6).

     5.   RESTRICTION ON TRANSFER.  Except for the escrow described in Section 6
or the transfer of the Shares to the Company or its assignees contemplated by
this Agreement, none of the Shares or any beneficial interest therein shall be
transferred, encumbered or otherwise disposed of in any way until such Shares
are released from the Company's Repurchase Option in accordance with the
provisions of this Agreement, other than by will or the laws of descent and
distribution.

     6.   ESCROW OF SHARES.

          (a)  To ensure the availability for delivery of the Purchaser's
Unreleased Shares upon repurchase by the Company pursuant to the Repurchase
Option, the Purchaser shall, upon execution of this Agreement, deliver and
deposit with an escrow holder designated by the Company (the "Escrow Holder")
the share certificates representing the Unreleased Shares, together with the
stock assignment duly endorsed in blank, attached hereto as Exhibit A-2.  The
Unreleased Shares and stock assignment shall be held by the Escrow Holder,
pursuant to the Joint Escrow Instructions of the Company and Purchaser attached
hereto as Exhibit A-3, until such time as the Company's Repurchase Option
expires.  As a further condition to the Company's obligations under this

                                        -2-

<PAGE>

Agreement, the Company may require the spouse of Purchaser, if any, to execute
and deliver to the Company the Consent of Spouse attached hereto as Exhibit A-4.

          (b)  The Escrow Holder shall not be liable for any act it may do or
omit to do with respect to holding the Unreleased Shares in escrow while acting
in good faith and in the exercise of its judgment.

          (c)  If the Company or any assignee exercises the Repurchase Option
hereunder, the Escrow Holder, upon receipt of written notice of such exercise
from the proposed transferee, shall take all steps necessary to accomplish such
transfer.

          (d)  When the Repurchase Option has been exercised or expires
unexercised or a portion of the Shares has been released from the Repurchase
Option, upon request the Escrow Holder shall promptly cause a new certificate to
be issued for the released Shares and shall deliver the certificate to the
Company or the Purchaser, as the case may be.

          (e)  Subject to the terms hereof, the Purchaser shall have all the
rights of a shareholder with respect to the Shares while they are held in
escrow, including without limitation, the right to vote the Shares and to
receive any cash dividends declared thereon.  If, from time to time during the
term of the Repurchase Option, there is (i) any stock dividend, stock split or
other change in the Shares, or (ii) any merger or sale of all or substantially
all of the assets or other acquisition of the Company, any and all new,
substituted or additional securities to which the Purchaser is entitled by
reason of the Purchaser's ownership of the Shares shall be immediately subject
to this escrow, deposited with the Escrow Holder and included thereafter as
"Shares" for purposes of this Agreement and the Repurchase Option.

     7.   LEGENDS.  The share certificate evidencing the Shares, if any,  issued
hereunder shall be endorsed with the following legend (in addition to any legend
required under applicable state securities laws):

     THE SHARES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO CERTAIN
RESTRICTIONS UPON TRANSFER AND RIGHTS OF REPURCHASE AS SET FORTH IN AN AGREEMENT
BETWEEN THE COMPANY AND THE SHAREHOLDER, A COPY OF WHICH IS ON FILE WITH THE
SECRETARY OF THE COMPANY.

     8.   ADJUSTMENT FOR STOCK SPLIT.  All references to the number of Shares
and the purchase price of the Shares in this Agreement shall be appropriately
adjusted to reflect any stock split, stock dividend or other change in the
Shares which may be made by the Company after the date of this Agreement.

     9.   TAX CONSEQUENCES.  The Purchaser has reviewed with the Purchaser's own
tax advisors the federal, state, local and foreign tax consequences of this
investment and the transactions 

                                       -3-

<PAGE>

contemplated by this Agreement.  The Purchaser is relying solely on such 
advisors and not on any statements or representations of the Company or any 
of its agents.  The Purchaser understands that the Purchaser (and not the 
Company) shall be responsible for the Purchaser's own tax liability that may 
arise as a result of the transactions contemplated by this Agreement.  The 
Purchaser understands that Section 83 of the Internal Revenue Code of 1986, 
as amended (the "Code"), taxes as ordinary income the difference between the 
purchase price for the Shares and the Fair Market Value of the Shares as of 
the date any restrictions on the Shares lapse.  In this context, 
"restriction" includes the right of the Company to buy back the Shares 
pursuant to the Repurchase Option.  The Purchaser understands that the 
Purchaser may elect to be taxed at the time the Shares are purchased rather 
than when and as the Repurchase Option expires by filing an election under 
Section 83(b) of the Code with the IRS within 30 days from the date of 
purchase.  The form for making this election is attached as Exhibit A-5 
hereto.

          THE PURCHASER ACKNOWLEDGES THAT IT IS THE PURCHASER'S SOLE
RESPONSIBILITY AND NOT THE COMPANY'S TO FILE TIMELY THE ELECTION UNDER
SECTION 83(b), EVEN IF THE PURCHASER REQUESTS THE COMPANY OR ITS REPRESENTATIVES
TO MAKE THIS FILING ON THE PURCHASER'S BEHALF.

     10.  GENERAL PROVISIONS.

          (a)  This Agreement shall be governed by the internal substantive
laws, but not the choice of law rules of [state].  This Agreement, subject to
the terms and conditions of the Plan and the Notice of Grant, represents the
entire agreement between the parties with respect to the purchase of the Shares
by the Purchaser.  Subject to Section 15(c) of the Plan, in the event of a
conflict between the terms and conditions of the Plan and the terms and
conditions of this Agreement, the terms and conditions of the Plan shall
prevail.  Unless otherwise defined herein, the terms defined in the Plan shall
have the same defined meanings in this Agreement.

          (b)  Any notice, demand or request required or permitted to be given
by either the Company or the Purchaser pursuant to the terms of this Agreement
shall be in writing and shall be deemed given when delivered personally or
deposited in the U.S. mail, First Class with postage prepaid, and addressed to
the parties at the addresses of the parties set forth at the end of this
Agreement or such other address as a party may request by notifying the other in
writing.

          Any notice to the Escrow Holder shall be sent to the Company's address
with a copy to the other party hereto.

          (c)  The rights of the Company under this Agreement shall be
transferable to any one or more persons or entities, and all covenants and
agreements hereunder shall inure to the benefit of, and be enforceable by the
Company's successors and assigns.  The rights and obligations of the Purchaser
under this Agreement may only be assigned with the prior written consent of the
Company.

                                       -4-

<PAGE>

          (d)  Either party's failure to enforce any provision of this Agreement
shall not in any way be construed as a waiver of any such provision, nor prevent
that party from thereafter enforcing any other provision of this Agreement.  The
rights granted both parties hereunder are cumulative and shall not constitute a
waiver of either party's right to assert any other legal remedy available to it.

          (e)  The Purchaser agrees upon request to execute any further
documents or instruments necessary or desirable to carry out the purposes or
intent of this Agreement.

          (f)  PURCHASER ACKNOWLEDGES AND AGREES THAT THE VESTING OF SHARES
PURSUANT TO SECTION 4 HEREOF IS EARNED ONLY BY CONTINUING SERVICE AS A SERVICE
PROVIDER AT THE WILL OF THE COMPANY (AND NOT THROUGH THE ACT OF BEING HIRED OR
PURCHASING SHARES HEREUNDER).  PURCHASER FURTHER ACKNOWLEDGES AND AGREES THAT
THIS AGREEMENT, THE TRANSACTIONS CONTEMPLATED HEREUNDER AND THE VESTING SCHEDULE
SET FORTH HEREIN DO NOT CONSTITUTE AN EXPRESS OR IMPLIED PROMISE OF CONTINUED
ENGAGEMENT AS A SERVICE PROVIDER FOR THE VESTING PERIOD, FOR ANY PERIOD, OR AT
ALL, AND SHALL NOT INTERFERE WITH PURCHASER'S RIGHT OR THE COMPANY'S RIGHT TO
TERMINATE PURCHASER'S RELATIONSHIP AS A SERVICE PROVIDER AT ANY TIME, WITH OR
WITHOUT CAUSE.

     By Purchaser's signature below, Purchaser represents that he or she is
familiar with the terms and provisions of the Plan, and hereby accepts this
Agreement subject to all of the terms and provisions thereof.  Purchaser has
reviewed the Plan and this Agreement in their entirety, has had an opportunity
to obtain the advice of counsel prior to executing this Agreement and fully
understands all provisions of this Agreement.  Purchaser agrees to accept as
binding, conclusive and final all decisions or interpretations of the
Administrator upon any questions arising under the Plan or this Agreement. 
Purchaser further agrees to notify the Company upon any change in the residence
indicated in the Notice of Grant.

DATED: 
        ---------------------
PURCHASER:                              ACCESS HEALTH, INC.

------------------------------          ----------------------------------
Signature                               By

------------------------------          ----------------------------------
Print Name                              Title 

                                       -5-
<PAGE>

                                     EXHIBIT A-2
                                     -----------

                         ASSIGNMENT SEPARATE FROM CERTIFICATE



     FOR VALUE RECEIVED I, ________________________, hereby sell, assign and
transfer unto ___________________(_______) shares of the Common Stock of Access
Health, Inc. standing in my name of the books of said corporation represented by
Certificate No. __________ herewith and do hereby irrevocably constitute and 
appoint__________________to transfer the said stock on the books of the within
named corporation with full power of substitution in the premises.

     This Stock Assignment may be used only in accordance with the Restricted
Stock Purchase Agreement (the "Agreement") between _____________________ and
the undersigned dated ______________, 19__.

Dated:___________________________, 19____


                                   Signature:_______________________________
                                         


















INSTRUCTIONS:  Please do not fill in any blanks other than the signature line. 
The purpose of this assignment is to enable the Company to exercise the
Repurchase Option, as set forth in the Agreement, without requiring additional
signatures on the part of the Purchaser. 

<PAGE>

                                     EXHIBIT A-3

                              JOINT ESCROW INSTRUCTIONS


                                                                       , 19
                                                           ------------    --

Corporate Secretary
Access Health, Inc.
310 Interlocken Parkway, Suite A
Broomfield, CO  80021

Dear                  :
    ------------------

     As Escrow Agent for both Access Health, Inc., a Delaware corporation 
(the "Company"), and the undersigned purchaser of stock of the Company (the 
"Purchaser"), you are hereby authorized and directed to hold the documents 
delivered to you pursuant to the terms of that certain Restricted Stock 
Purchase Agreement ("Agreement") between the Company and the undersigned, in 
accordance with the following instructions:

     1.   In the event the Company and/or any assignee of the Company 
(referred to collectively as the "Company") exercises the Company's 
Repurchase Option set forth in the Agreement, the Company shall give to 
Purchaser and you a written notice specifying the number of shares of stock 
to be purchased, the purchase price, and the time for a closing hereunder at 
the principal office of the Company.  Purchaser and the Company hereby 
irrevocably authorize and direct you to close the transaction contemplated by 
such notice in accordance with the terms of said notice.

     2.   At the closing, you are directed (a) to date the stock assignments 
necessary for the transfer in question, (b) to fill in the number of shares 
being transferred, and (c) to deliver same, together with the certificate 
evidencing the shares of stock to be transferred, to the Company or its 
assignee, against the simultaneous delivery to you of the purchase price (by 
cash, a check, or some combination thereof) for the number of shares of stock 
being purchased pursuant to the exercise of the Company's Repurchase Option.

     3.   Purchaser irrevocably authorizes the Company to deposit with you 
any certificates evidencing shares of stock to be held by you hereunder and 
any additions and substitutions to said shares as defined in the Agreement. 
Purchaser does hereby irrevocably constitute and appoint you as Purchaser's 
attorney-in-fact and agent for the term of this escrow to execute with 
respect to such securities all documents necessary or appropriate to make 
such securities negotiable and to complete any transaction herein 
contemplated, including but not limited to the filing with any applicable 
state blue sky authority of any required applications for consent to, or 
notice of transfer of, the securities.  Subject to the provisions of this 
paragraph 3, Purchaser shall exercise all rights and privileges of a 
shareholder of the Company while the stock is held by you.

<PAGE>

     4.   Upon written request of the Purchaser, but no more than once per 
calendar year, unless the Company's Repurchase Option has been exercised, you 
shall deliver to Purchaser a certificate or certificates representing so many 
shares of stock as are not then subject to the Company's Repurchase Option. 
Within 90 days after Purchaser ceases to be a Service Provider, you shall 
deliver to Purchaser a certificate or certificates representing the aggregate 
number of shares held or issued pursuant to the Agreement and not purchased 
by the Company or its assignees pursuant to exercise of the Company's 
Repurchase Option.

     5.   If at the time of termination of this escrow you should have in 
your possession any documents, securities, or other property belonging to 
Purchaser, you shall deliver all of the same to Purchaser and shall be 
discharged of all further obligations hereunder.

     6.   Your duties hereunder may be altered, amended, modified or revoked 
only by a writing signed by all of the parties hereto.

     7.   You shall be obligated only for the performance of such duties as 
are specifically set forth herein and may rely and shall be protected in 
relying or refraining from acting on any instrument reasonably believed by 
you to be genuine and to have been signed or presented by the proper party or 
parties. You shall not be personally liable for any act you may do or omit to 
do hereunder as Escrow Agent or as attorney-in-fact for Purchaser while 
acting in good faith, and any act done or omitted by you pursuant to the 
advice of your own attorneys shall be conclusive evidence of such good faith.

     8.   You are hereby expressly authorized to disregard any and all 
warnings given by any of the parties hereto or by any other person or 
corporation, excepting only orders or process of courts of law, and are 
hereby expressly authorized to comply with and obey orders, judgments or 
decrees of any court. In case you obey or comply with any such order, 
judgment or decree, you shall not be liable to any of the parties hereto or 
to any other person, firm or corporation by reason of such compliance, 
notwithstanding any such order, judgment or decree being subsequently 
reversed, modified, annulled, set aside, vacated or found to have been 
entered without jurisdiction.

     9.   You shall not be liable in any respect on account of the identity, 
authorities or rights of the parties executing or delivering or purporting to 
execute or deliver the Agreement or any documents or papers deposited or 
called for hereunder.

     10.  You shall not be liable for the outlawing of any rights under the 
statute of limitations with respect to these Joint Escrow Instructions or any 
documents deposited with you.

     11.  You shall be entitled to employ such legal counsel and other 
experts as you may deem necessary properly to advise you in connection with 
your obligations hereunder, may rely upon the advice of such counsel, and may 
pay such counsel reasonable compensation therefor.

                                     -2-

<PAGE>

     12.  Your responsibilities as Escrow Agent hereunder shall terminate if 
you shall cease to be an officer or agent of the Company or if you shall 
resign by written notice to each party.  In the event of any such 
termination, the Company shall appoint a successor Escrow Agent.

     13.  If you reasonably require other or further instruments in 
connection with these Joint Escrow Instructions or obligations in respect 
hereto, the necessary parties hereto shall join in furnishing such 
instruments.

     14.  It is understood and agreed that should any dispute arise with 
respect to the delivery and/or ownership or right of possession of the 
securities held by you hereunder, you are authorized and directed to retain 
in your possession without liability to anyone all or any part of said 
securities until such disputes shall have been settled either by mutual 
written agreement of the parties concerned or by a final order, decree or 
judgment of a court of competent jurisdiction after the time for appeal has 
expired and no appeal has been perfected, but you shall be under no duty 
whatsoever to institute or defend any such proceedings.

     15.  Any notice required or permitted hereunder shall be given in 
writing and shall be deemed effectively given upon personal delivery or upon 
deposit in the United States Post Office, by registered or certified mail 
with postage and fees prepaid, addressed to each of the other parties 
thereunto entitled at the following addresses or at such other addresses as a 
party may designate by ten days' advance written notice to each of the other 
parties hereto.

          COMPANY:            Access Health, Inc.
                              310 Interlocken Parkway, Suite A
                              Broomfield, CO  80021

          PURCHASER:                                            
                              ----------------------------------
                              ----------------------------------
                              ----------------------------------
   

          ESCROW AGENT:       Corporate Secretary
                              Access Health, Inc.
                              310 Interlocken Parkway, Suite A
                              Broomfield, CO  80021

     16.  By signing these Joint Escrow Instructions, you become a party hereto
only for the purpose of said Joint Escrow Instructions; you do not become a
party to the Agreement.

     17.  This instrument shall be binding upon and inure to the benefit of the
parties hereto, and their respective successors and permitted assigns.

                                     -3-

<PAGE>

     18.  These Joint Escrow Instructions shall be governed by, and construed
and enforced in accordance with, the internal substantive laws, but not the
choice of law rules, of Delaware.

                                   Very truly yours,

                                   ACCESS HEALTH, INC.


                                   --------------------------------------
                                   By

                                   --------------------------------------
                                   Title

                                   PURCHASER:

                                   --------------------------------------
                                   Signature

                                   --------------------------------------
                                   Print Name


ESCROW AGENT:


------------------------------------
Corporate Secretary 

                                     -4-

<PAGE>

                                     EXHIBIT A-4

                                  CONSENT OF SPOUSE
                                  -----------------

     I,____________________ , spouse of ________________________, have read and
approve the foregoing Restricted Stock Purchase Agreement (the "Agreement").  In
consideration of the Company's grant to my spouse of the right to purchase
shares of Access Health, Inc., as set forth in the Agreement, I hereby appoint
my spouse as my attorney-in-fact in respect to the exercise of any rights under
the Agreement and agree to be bound by the provisions of the Agreement insofar
as I may have any rights in said Agreement or any shares issued pursuant thereto
under the community property laws or similar laws relating to marital property
in effect in the state of our residence as of the date of the signing of the
foregoing Agreement.

Dated: ______________, 19_____


                                   __________________________________
                                   Signature of Spouse

<PAGE>

                                     EXHIBIT A-5

                             ELECTION UNDER SECTION 83(b)
                         OF THE INTERNAL REVENUE CODE OF 1986

The undersigned taxpayer hereby elects, pursuant to Section 83(b) of the
Internal Revenue Code of 1986, as amended, to include in taxpayer's gross income
for the current taxable year the amount of any compensation taxable to taxpayer
in connection with his or her receipt of the property described below:

1.   The name, address, taxpayer identification number and taxable year of the
     undersigned are as follows:

     NAME:                TAXPAYER:               SPOUSE: 

     ADDRESS:       

     IDENTIFICATION NO.:   TAXPAYER:              SPOUSE: 

     TAXABLE YEAR:

2.   The property with respect to which the election is made is described as
     follows: ____________ shares (the "Shares") of the Common Stock of Access
     Health, Inc. (the "Company").

3.   The date on which the property was transferred is:______________, 19_____. 

4.   The property is subject to the following restrictions:

     The Shares may be repurchased by the Company, or its assignee, upon certain
     events. This right lapses with regard to a portion of the Shares based on
     the continued performance of services by the taxpayer over time.

5.   The fair market value at the time of transfer, determined without regard to
     any restriction other than a restriction which by its terms will never
     lapse, of such property is:
     $ ______________________.

6.   The amount (if any) paid for such property is:

     $ ______________________.

The undersigned has submitted a copy of this statement to the person for whom
the services were performed in connection with the undersigned's receipt of the
above-described property.  The transferee of such property is the person
performing the services in connection with the transfer of said property.

THE UNDERSIGNED UNDERSTANDS THAT THE FOREGOING ELECTION MAY NOT BE REVOKED
EXCEPT WITH THE CONSENT OF THE COMMISSIONER.

Dated:________________, 19 ____     __________________________________________
                                    Taxpayer

The undersigned spouse of taxpayer joins in this election.

Dated:________________, 19 ______   __________________________________________
                                    Spouse of Taxpayer