• Home
  • Latest
  • Fortune 500
  • Finance
  • Tech
  • Leadership
  • Lifestyle
  • Rankings
  • Multimedia
Commentary

Why Insurers Should Pay Healthy People To Exercise

By
Mike Feibus
Down Arrow Button Icon
By
Mike Feibus
Down Arrow Button Icon
March 13, 2016, 3:00 PM ET
532377729
Financial health check or cost of healthcarePhotograph by Brian A. Jackson — Getty Images/iStockphoto

LAS VEGAS – The greatest, most game-changing product I saw earlier this month at the country’s largest health-tech event was a little black activity tracker perched on a small stand in a big booth.

In this time of cataclysmic change across the healthcare industry, that’s saying something. Borne out of a combination of regulatory mandate and practical necessity, healthcare is transforming from a business that treats the sick to one intent on keeping people healthy.

One of the first orders of business is to ease the crushing costs of care for hypertension, diabetes, asthma and other chronic conditions, which amount to 86% of the nation’s $3 trillion annual healthcare spend. So many of the tablets, wearables, connected meters and companion apps on the show floor at the Health Information and Management Systems Society show are designed to help monitor and care for those folks.

The non-descript little tracker, though, is the too-rare device developed in the true spirit of the healthcare system overhaul: that is, keeping healthy people healthy. It’s called Trio Motion, from UnitedHealthcare (UNH). The mammoth health insurance provider showed off the device in a section of Qualcomm’s booth at HIMSS. Technology from Qualcomm Life, a wholly-owned subsidiary, is responsible for securing communication between the device, the companion smartphone app and the cloud.

You can’t buy Trio Motion. The custom-designed device is free for employees at companies that UnitedHealthcare insures. Further, the companion wellness program, called Motion, is paying those employees for meeting daily activity goals. Up to $1,460 per person per year. Depending on the program, the funds might be designated to pay for healthcare. Or employees might just get a check.

The healthcare industry calls insurance companies “payers” – ironic for most of us, who tend to think of them more as collectors of our monthly premiums. And as far as I can tell, Motion is the first program from a major payer that actually pays members for a lifestyle choice other than not smoking.

That’s big, for several reasons. First, payers aren’t in the habit of losing money. Which means UnitedHealthcare believes that fewer claims from healthier members will outweigh the cost of the program. The health hazards of a sedentary lifestyle are well documented. Even so, the payback to UnitedHealthcare in this age of annual open enrollments seems shockingly quick.

Second, the Motion program is no doubt raising eyebrows throughout the $700 billion health insurance industry, which is just beginning to react to the healthcare transformation. I’ll be surprised if other payers don’t follow suit.

Finally, the Motion payout program gives all of us a practical guide for staying healthy by getting the most out of our fitness trackers. Specifically, the Motion program pays daily for meeting three distinct activity goals:

Frequency: $1.50 per day for taking six five-minute walks. During the walks, which must be at least an hour apart, participants must take a minimum of 300 steps. Motion pays the most for frequency, which you should take to mean that it’s not enough to hit the gym on the way to work if you’re going to spend the next nine hours sitting at your desk. Get up and walk around!

Intensity: $1.25 per day for 3,000 steps in 30 minutes. They don’t actually have to be steps. Swimming laps, for example, will get you paid.

Tenacity: $1.25 for a good old-fashioned total of 10,000 steps.

I’ve been using the Trio Motion for about a week now. Included is a wrist band and a belt clip, though I’ve been wearing it exclusively on my wrist.

In five days, I’ve amassed what amounts to $12.25 in e-Monopoly money. (UnitedHealthcare isn’t actually paying me.) I’ve had no trouble making my 10,000 steps each day. And I’ve missed the frequency goal just once. But I’ve yet to hit the intensity mark. I didn’t walk quite fast enough at HIMSS to reach it. At home, my pace is plenty quick on the elliptical. But I only do that for 20 minutes.

Trio Motion is a seemingly simple device. It only senses motion. There are plenty of trackers out there that track more. And plenty are more elegant and attractive.

I don’t think UnitedHealthcare is all that concerned with measuring step counts precisely. I’ve been wearing the Trio Motion and the Microsoft Band 2 side-by-side on my wrist all day. Thus far, Trio has logged 6,117 steps, versus 3,732 for the Band. I wore them both yesterday as well, only in reverse positions so that the Trio was closer to my hand. The counts were closer, though the Trio was still far higher: 13,171 steps versus 10,621 for the Band.

Mind you, we don’t know which tracker is more accurate. Only that they’re different. But I doubt it matters. I’ll bet the health benefits are apparent whether you take 200 or 300 steps during your five-minute walk. The important thing is that you take the five-minute walks.

Longer term, I’d expect the company to stop supplying watches, and certify commercially available activity trackers and smartwatches for the Motion program. That could be tricky – though obviously not due to step-count accuracy. Rather, the program depends on fraud-prevention algorithms to flag when participants attach Trio to the dog’s collar or a paint-mixing machine.

UnitedHealthCare has chosen to begin the Motion program with mid-sized companies (companies with 101-300 employees) in a dozen states. More than 100,000 people are wearing them already. Which sounds like a lot, until you consider UnitedHealthCare insures more than 46 million people.

Hopefully, smartwatch and fitness-band suppliers like Apple, Fitbit, Samsung will take a cue from Trio and add the frequency and intensity metrics to the step counts they already track.

In the meantime, let’s go take a walk.

Mike Feibus is principal analyst at FeibusTech, a Scottsdale, Ariz., market strategy and analysis firm focusing on mobile ecosystems and client technologies. Neither he or his firm are investors of UnitedHealthcare.

About the Author
By Mike Feibus
See full bioRight Arrow Button Icon

Latest in Commentary

Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025

Most Popular

Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Rankings
  • 100 Best Companies
  • Fortune 500
  • Global 500
  • Fortune 500 Europe
  • Most Powerful Women
  • Future 50
  • World’s Most Admired Companies
  • See All Rankings
Sections
  • Finance
  • Leadership
  • Success
  • Tech
  • Asia
  • Europe
  • Environment
  • Fortune Crypto
  • Health
  • Retail
  • Lifestyle
  • Politics
  • Newsletters
  • Magazine
  • Features
  • Commentary
  • Mpw
  • CEO Initiative
  • Conferences
  • Personal Finance
  • Education
Customer Support
  • Frequently Asked Questions
  • Customer Service Portal
  • Privacy Policy
  • Terms Of Use
  • Single Issues For Purchase
  • International Print
Commercial Services
  • Advertising
  • Fortune Brand Studio
  • Fortune Analytics
  • Fortune Conferences
  • Business Development
About Us
  • About Us
  • Editorial Calendar
  • Press Center
  • Work At Fortune
  • Diversity And Inclusion
  • Terms And Conditions
  • Site Map

© 2025 Fortune Media IP Limited. All Rights Reserved. Use of this site constitutes acceptance of our Terms of Use and Privacy Policy | CA Notice at Collection and Privacy Notice | Do Not Sell/Share My Personal Information
FORTUNE is a trademark of Fortune Media IP Limited, registered in the U.S. and other countries. FORTUNE may receive compensation for some links to products and services on this website. Offers may be subject to change without notice.


Latest in Commentary

Wesley Yin is a Professor of economics at UCLA in the Luskin School of Public Affairs and Anderson School of Management
CommentaryIPOs
Privatizing Fannie Mae and Freddie Mac the wrong way risks a second Great Recession
By Wesley YinDecember 30, 2025
19 hours ago
TV
CommentaryMedia
Television is a state of mind: why user experience will define the next era of media
By Lin CherryDecember 30, 2025
20 hours ago
Elon Musk
CommentaryCorporate Governance
Corporate board service isn’t charity. It’s risk capital
By Jane SadowskyDecember 30, 2025
20 hours ago
India
CommentaryIndia
AI adoption at scale is hard. Just look at India, which processes about 20 billion transactions every month 
By Shankar Maruwada and Angela ChitkaraDecember 30, 2025
22 hours ago
Sridhar Ramaswamy is CEO of Snowflake, the AI Data Cloud company.
CommentarySoftware
Snowflake CEO: Big Tech’s grip on AI will loosen in 2026 — plus 6 more predictions that will define the year
By Sridhar RamaswamyDecember 28, 2025
3 days ago
Federal Reserve Gov. Chris Waller engages 200 top CEOs at the Yale CEO Summit in December, 2025. (Photo courtesy of the Yale Chief Executive Leadership Institute/Photographer Donovan Marks)
CommentaryFederal Reserve
Why over 80% of America’s top CEOs think Trump would be wrong not to pick Chris Waller for Fed chair
By Jeffrey Sonnenfeld and Steven TianDecember 27, 2025
4 days ago

Most Popular

placeholder alt text
Success
Gen Z could wave goodbye to résumés because most companies have turned to skills-based recruitment—and find it more effective, research shows
By Orianna Rosa RoyleDecember 29, 2025
2 days ago
placeholder alt text
Europe
George Clooney moves to France and sends a strong message about the American Dream
By Nick LichtenbergDecember 30, 2025
16 hours ago
placeholder alt text
Arts & Entertainment
Gen Zers and millennials flock to so-called analog islands 'because so little of their life feels tangible'
By Michael Liedtke and The Associated PressDecember 28, 2025
3 days ago
placeholder alt text
Success
African millennials and Gen Z are quitting their big-city dreams to go make more money back on the farm
By Mark Banchereau and The Associated PressDecember 29, 2025
2 days ago
placeholder alt text
Law
YouTuber’s viral ‘Somali day care’ video spurs sweeping federal fraud probe in Minnesota as Walz defends oversight of $18 billion
By Nick LichtenbergDecember 30, 2025
19 hours ago
placeholder alt text
C-Suite
Exiting CEO left each employee at his family-owned company a $443,000 gift—but they have to stay 5 more years to get all of it
By Nick LichtenbergDecember 30, 2025
16 hours ago