| Patient | Program | Score | Tier | Premium discount | Avg steps | Avg sleep | Exercise/day | Resting HR |
|---|
| Program | Focus |
|---|
Four components, 25 points each — average steps (target 8,000/day), sleep (target 7.5 h), exercise (target 150 min/week), resting heart rate (lower is better). Data is written to the shared FHIR DB as Observations, so doctors see it on the patient chart.
Tiers → premium discount honoured by the payer on adjudicated claims: gold ≥80 → 20% silver ≥60 → 10% bronze ≥40 → 5%