"By incenting employees to work out, Pact Health serves as a type of Health Reimbursement Arrangement vehicle that allows employees to lower their health deductibles with each workout.... For example, if a group increased their deductible to $2,000, Pact Health would reimburse employees for the first $1,000 of deductible expenses, so the plan essentially mirrors a $1,000 deductible plan. Then, for every time an employee completes a workout towards their 'pact', they could have the opportunity to exercise their way down to a $500 deductible. Conversely, if they miss their workouts, their deductible could grow to $1,500."

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