There is really no $ incentive to exercise and report it in. Going to the gym can mean just sitting in the whirlpool. This program was a good motivator for pushing your limits and setting goals, but no longer. The administrative team doesn't seem to appreciate the value real physical activity. If the aim of this program is to promote healthy physical activity, it won't work structured this way. I rode a bicycle 4100 miles last year to earn about $145. I have no ambition for gym type exercise. This program needs to be much more flexible. This structure just returns a small $5 rebate on the monthly insurance premium; not a great reason to try and stay fit.