Patent ID: 8185416

Claim:
A method for providing a group insurance program, comprising: a) receiving a request from a group of individuals for group insurance coverage; b) calculating, with a computer, a first premium for providing insurance coverage to the group during a first time period based on a first health examination of each individual in the group; c) charging the group the first premium and providing insurance coverage to the group during the first time period; d) calculating, with the computer, a second premium for providing insurance coverage to the group for a second time period, the second premium being based on a second health examination of each individual in the group; e) determining, with the computer, that the second premium is less the first premium; f) charging the group the first premium and providing insurance to the group during the second time period; g) depositing the difference between the first premium and the second premium in an account crediting the group, thereby providing a health maintenance incentive for the group.