Get Paid to Exercise.
Cut Healthcare Costs by 40%.

Notitia HealthWorks pays employees directly in real-time digital currency for meeting CDC physical activity guidelines — lowering employer medical costs while building a healthier, more productive workforce.

Get Started See How It Works
40%
Target Reduction in Employer Healthcare Costs
$1,242
Less Cost Per Engaged Wearable User vs. Control
46%
Drop in Total Costs for Engaged Users Over 2 Years
66.5%
Of U.S. Bankruptcies Caused by Medical Expenses
The Problem

Healthcare Costs Are Crushing Employers and Employees

Employer-sponsored family health coverage hit $26,993 in 2025 — up 54% over the last decade, with 6%+ annual increases for three consecutive years. Workers now pay $6,850 out of their paychecks. Meanwhile, existing wellness programs fail to move the needle because they can't solve the motivation problem.

Costs Are Unsustainable

Employee benefits add 30–40% on top of base salary. The U.S. spends $14,900 per person on healthcare — 2.5x more than Japan ($5,790), where people live nearly 6 years longer. Higher spending isn't producing better outcomes.

Employees Can't Afford Coverage

Rising premiums and high deductibles make coverage unaffordable for many workers. Medical expenses are the #1 cause of personal bankruptcy, driving 66.5% of all filings. One in four Americans with medical debt has considered bankruptcy.

Wellness Programs Don't Work

Traditional wellness programs — newsletters, seminars, punitive penalties — miss the individuals most in need. 50% of new exercisers drop out within 6 months. Motivation is the hard problem nobody has solved.

US Healthcare Costs vs. OECD Countries

Source: Peter G. Peterson Foundation — U.S. healthcare spending vastly exceeds other developed nations. As of 2025, the U.S. spends $14,900 per capita vs. the OECD average of $5,967.

The Solution

Pay People to Get Healthy

Notitia HealthWorks is a healthcare cost reduction framework that directly pays employees for verified physical activity. Not points. Not badges. Real money, delivered in near real-time to their digital wallet. The result: healthier employees, lower claims, and dramatic cost savings.

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Direct Digital Payments

Employees receive real-time digital currency payments for meeting physical activity targets. No waiting for year-end reimbursements. Immediate reward for immediate effort.

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Wearable-Verified Activity

Activity is tracked automatically via Apple Watch, Fitbit, Garmin, or smart clothing. 39% of wellness programs now integrate wearables and 36% of employers offer fitness devices as benefits. No self-reporting, no honor system.

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Team Competition & Lottery

Built-in team competitions and a bi-daily lottery where everyone who meets their goals qualifies. Social visibility of peer progress drives sustained engagement 170% higher than solo programs.

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AI-Powered Personalization

Artificial Neural Networking automatically recommends the best physical activities for each user's goals and current health status. Virtual Guide sets SMART goals with animated technique instruction.

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CDC-Aligned Standards

Activity thresholds follow CDC, American Heart Association, and ODPHP guidelines: 150–300 minutes/week of moderate activity. Evidence-based targets, not arbitrary gamification.

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Fraud Prevention

Sophisticated algorithmic fraud detection — modeled on PayPal's approach — identifies cheating patterns proactively. Data is validated before any payment is released.

How It Works

From Workout to Wallet in Minutes

The entire process is automated, frictionless, and transparent.

Wear & Move

Your wearable device (Apple Watch, Fitbit, smart clothing) automatically tracks your physical activity via Bluetooth Low Energy.

Data Capture & Validation

Activity data flows from your wearable to the HealthWorks phone app, then to our HIPAA-compliant cloud platform where intensity, consistency, and duration are validated against CDC guidelines.

Value Calculated

Our algorithms calculate the monetary value of your physical activity based on the expected healthcare savings your effort produces. Your activity has real, measurable economic value.

Instant Payment

Digital currency is deposited directly to your wallet — no intermediaries, no fees, no waiting. Convert to USD via PayPal anytime. You earned it, you own it.

The Science

Backed by Research, Not Wishful Thinking

Our approach integrates findings from behavioral economics, evolutionary psychology, and large-scale clinical studies.

Springbuk / Fitbit Study
46% Cost Drop

Total healthcare costs for engaged wearable users dropped 46% over two years. Less active individuals saw the largest savings — costs decreased by 59% ($3,543).

University of Pennsylvania RCT
170% More Likely to Sustain Exercise

Anonymous peer networks significantly outperformed promotional messaging. Social condition participants were 170% more likely to enroll in 6+ exercise classes. The effect was sustained, not short-lived.

Behavioral Economics
Loss Aversion Drives Adherence

Loss-framed incentives outperform gain-framed ones: a UPenn study found participants given rewards upfront with the threat of loss achieved significantly higher step goals than those earning rewards. HealthWorks gives the reward first, then takes it away if goals aren't met.

Fitbit Social Study (44,000 Users)
+6.5 Steps Per Social Tie

For each additional social connection, participants walked an average of 6.5 more steps per day. Social networks shape health norms — our anonymous peer visibility leverages this at scale.

Medical Claims Data
24.7% Claims Decrease

Medical claims decreased 24.7% for wearable opt-in groups vs. 9.3% for control groups. Significant cost savings occur below 10,000 daily steps — even 6,477 steps yields the greatest reduction.

2024 Systematic Review (9,604 participants)
Financial Incentives Work

A 2024 meta-analysis of 29 studies found 81% reported positive short-term effects of financial incentives on physical activity, with clinically significant improvements of 1,000+ daily steps. Wearable integration and goal-setting amplified results.

U.S. Healthcare Waste Estimates
$1.5 Trillion Lost Annually

An estimated 30% of U.S. healthcare spending — over $1.5 trillion annually on $5+ trillion in total spend — is lost to waste, fraud, and abuse. Prevention through physical activity is the most direct path to structural savings.

Our Approach

Five Pillars of Sustained Motivation

Traditional wellness programs fail because they treat motivation as a one-dimensional problem. We address it from five angles simultaneously.

1. Immediate Financial Reward

Direct digital payments create immediate positive reinforcement. Unlike year-end premium discounts, our near real-time payments connect the effort to the reward in the user's mind. You exercise, you get paid — today.

2. Loss Aversion Mechanics

Rewards are given weekly, then taken away if activity drops. Research shows people work harder to keep what they have than to earn something new. This is the most powerful lever in behavioral economics.

3. Anonymous Peer Competition

UPenn research proves that anonymous peer visibility of exercise progress creates sustained engagement far beyond promotional messaging. Our team competitions tap into deep evolutionary drives — the thrill of pursuit and the fear of falling behind.

4. SMART Goal Framework

Goals are Specific, Measurable, Achievable, Relevant, and Time-bound — aligned with CDC guidelines. Our Virtual Guide helps users set realistic targets and learn effective techniques through animated instruction.

5. Predictive Non-Adherence Detection

AI-driven behavioral models identify users at risk of dropping out before they do — enabling proactive intervention during the critical first 6 months when 50% of exercisers typically quit.

For Employers

Your Employees Get Healthier. Your Costs Go Down.

HealthWorks doesn't just improve employee wellbeing — it directly attacks the largest controllable expense on your balance sheet. Here's what employers gain.

✓

Up to 40% Healthcare Cost Reduction

Employees meeting CDC activity guidelines generate measurably lower medical claims. 95% of companies measuring wellness ROI see positive returns; nearly two-thirds earn $2+ back for every $1 spent.

✓

Insurance Risk Adjustment Leverage

Use your group's verified activity data to negotiate better experience ratings with insurers. Healthier groups deserve lower premiums — we give you the data to prove it.

✓

Higher Productivity & Fewer Sick Days

Companies with comprehensive wellness strategies see a 2.5x return on investment from improved productivity and lower absenteeism. 91% of HR leaders report healthcare costs decreased as a result of their wellness program.

✓

Real-Time Activity Dashboard

Track aggregate employee physical activity efforts, validate intensity and consistency, and monitor the health trajectory of your workforce in real time.

✓

Talent Attraction & Retention

"Get paid to exercise" is a benefit that sells itself. Differentiate your employer brand in a competitive hiring market with a program employees actually want to use.

✓

Self-Funded Plan Optimization

80% of covered workers at large firms and 67% overall are now in self-funded plans (KFF 2025). Self-funding eliminates 10–25% in non-claims expenses. HealthWorks amplifies those savings by reducing the claims themselves.

Government Health Insurance Spending Trends

Source: Peter G. Peterson Foundation — Health insurance is increasing as a share of total health spending

Technology

Enterprise-Grade. HIPAA-Compliant. Decentralized.

Built on AWS cloud infrastructure with end-to-end security across every layer.

☁️

AWS Cloud Infrastructure

S3, Lambda, SQS, SNS, and Kinesis Firehose provide scalable, secure data processing. Real-time streaming handles millions of activity events.

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iOS & Android App

Beautiful smartphone app captures and presents activity data. Connects to all major wearables via Bluetooth Low Energy. Your fitness dashboard in your pocket.

🔗

Decentralized Ledger

Fee-less, instant digital currency transactions via distributed ledger technology. Secure access for individuals and payors. No intermediary fees eating into rewards.

Our Mission

“To Lower Medical Costs by Maximally Incentivizing Health-Producing Behaviors”

We're creating an adaptive health economy based on prevention — where people take control of and responsibility for their health, rather than treating illness after the fact. Exercise is the only real fountain of youth. We're making it pay.

Ready to Cut Costs and Build Health?

Whether you're an employer looking to reduce healthcare spend or a benefits consultant seeking differentiated solutions, let's talk about what HealthWorks can do for your organization.

Contact Us — info@notitia.io

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