"[1] Individuals must be given the opportunity to qualify for the reward under the program at least once per year ... [2] The size of the reward (or penalty) is limited to a percentage of the total cost of coverage ... [3] The program must be reasonably designed to promote health or prevent disease: ... [4] The full reward must be available to all individuals who complete the reasonable alternative standard: ... [5] The employer must provide notice of availability of the reasonable alternative standard in program materials:"  MORE >>