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Under VA law, an insurer may offer a voluntary wellness program and may offer discounts (some can be substantial) to those members who participate in the programs. If a person refuses to participate, then the insurer can charge those persons full price for benefits and give them no discount.
If you complete the assessment and do not follow the suggestions, then in the following year, you could lose any discounts provided for participating.
See: Virginia Code § 38.2-3540.2 (2010, enacted, VA HB 548): Each group accident and sickness insurance policy and health care plan may provide a premium discount to every employer instituting and maintaining an employee wellness program satisfying such criteria as each insurer may establish. An employer instituting and maintaining an employee wellness program in accordance with the insurer's criteria may require that any employee wishing to enroll in such program undergo a health assessment as a condition of enrollment.