Are you a white belt? A green belt? Red belt or black belt? Take our wellness quiz to find out how your company performs when it comes to your prowess in wellness programs and incentives. 

[Quiz] What kind of wellness warrior are you?

Are you a white belt? A green belt? Red belt or black belt? Take our wellness quiz to find out how your company performs when it comes to your prowess in wellness programs and incentives.

Karate kids

With new Affordable Care Act (ACA) regulations, organizations have had the opportunity to rethink how they plan and execute wellness programs. Effective January 2014, the ACA dramatically expanded companies’ ability to reward or penalize employees as part of their wellness initiatives. When designed correctly, wellness programs can positively impact employee health – not to mention, a company’s bottom line.

ACA and compliance considerations with wellness incentives

In order for wellness programs to remain in compliance with ACA regulations, they must meet certain criteria. For example, incentives can now be 30 percent (previously 20 percent) of the total cost of employee-only coverage. This includes both employer and employee premium contributions for the benefit options in which the employee is enrolled. 

For health contingent smoking cessation programs, the incentives can be even higher – 50 percent of the total cost of employee-only coverage. Health contingent means rewards are offered as a result of achieving a specific health behavior, such as quitting smoking.

Below are a few additional criteria for wellness programs to remain in ACA compliance. You can read more on the Department of Labor’s site.

  • The opportunity to qualify must be offered once a year
  • Rewards must be available to all similarly situated individuals
  • You must offer a lower health or activity-based standard as an alternative
  • Program must be “reasonably designed” to promote health or prevent disease

So, how advanced is your organization when it comes to your use of wellness programs and incentives? Fill out our 5-question quiz to see what kind of wellness warrior your company is!


White belt

White belt: According to martial arts tradition, white signifies a beginning. A white belt wellness warrior is embarking on a journey toward healthier living. Companies with white belts have begun to research various wellness program options but have not yet taken any action towards implementing a plan.


Green belt


Green belt: Green belt warriors have a solid foundation of wellness program knowledge. They have begun implementing programs but are looking at additional ways to boost participation and roll out additional incentives or offerings. Their goal is to strengthen and refine basic program offerings.



Red belt

Red belt: In martial arts, the red belt symbolizes the power of the red-hot sun. Companies who have their red belts in wellness are learning how to balance initial program success while still being cautious in their growth strategy. 

Red belt wellness warriors have become smarter in how they execute their plans by developing effective marketing programs to improve participation and are dabbling in metrics to understand the ROI of program participation. They’re learning which programs work well and which need to be scaled back or improved.


Green belt

Black belt: Black belt warriors, even though they’ve mastered their trade, continue to broaden and grow their understanding of wellness. They continually seek knowledge by benchmarking their program against peers, as well as evaluate metrics on participation and results. They constantly refine their program to ensure that it is well designed and effective in engaging participation and developing a culture of wellness. Black belts are eager to teach others to help them grow and expand wellness initiatives.

Enjoy taking the quiz and good luck on your journey towards becoming a black-belted wellness warrior!

For more information:

  • Watch our ACA wellness incentives video
  • Read our eBook: Wellness Incentives – More Carrots, Please!
  • Learn about Ceridian LifeWorks wellness programs