Abstract: The invention described herein is a system and method whereby health club membership and its attendant health-promoting advantages is integrated with the health insurance industry to create a whole which reduces costs for both and provides financial incentives for individuals to improve and maintain their health. Individuals or employees participating in the integrated health club/health insurance program are motivated to improve their health by the rewards of one or more of subsidized health club dues or reduced health insurance premiums or deductibles for themselves or their employers. The invention achieves this goal in a way that is sustainable and profitable for all involved—individual, health club owner, employer, and health insurance provider.