Providing incentive award programs designed to recognize a user's health and wellness related behavior through the issuance of credits or points which can be earned, redeemed, transferred or traded for the purpose of creating more diversity and choice for enrollees, members or users of health care credits and health exchange networks

'award':3 'behavior':15 'care':47 'choic':39 'creat':35 'credit':20,48 'design':5 'divers':37 'earn':26 'enrolle':41 'exchang':51 'health':11,46,50 'incent':2 'issuanc':18 'member':42 'network':52 'point':22 'program':4 'provid':1 'purpos':33 'recogn':7 'redeem':27 'relat':14 'trade':30 'transfer':28 'user':9,44 'well':13

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