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Health Incentives & Live Well

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Your wellness pays off — literally. Earn over $2,300 annually through Oncor’s wellness program by completing your annual physical, hitting health targets, and taking on wellness challenges.

You must enroll in an Oncor medical option to earn rewards for the annual physical incentive, health target incentive, and Amp It Up Challenge. Additional rewards available if your spouse completes their physical and meets health targets.

Dollars go directly into your health savings or reimbursement account to help you cover deductibles, coinsurance, and other out-of-pocket eligible healthcare expenses.

All employees, regardless of enrollment in an Oncor medical option, can earn rewards for Live Well Challenges.

Earn a reward when you and/or your covered spouse complete an annual physical (including basic biometric screenings). Complete and submit documentation of your annual physical between January 1 – December 31 of the current year. Incentives are paid the following year.

Annual Physical Incentive

  • $150 deposited directly into your HSA/HRA
  • $75 additional reward if your spouse completes their physical

What You Need to Do

  • Download the Physician Form, print it out, and bring it to your appointment. Your doctor must complete and sign it.
  • Submit it to Navigate on oncorlivewell.com to automatically receive your incentive.
  • If your doctor advises against a physical, submit the exemption portion of the form to oncorlivewell.com.

Earn additional rewards by meeting healthy biometric targets measured during your Annual Physical.

Healthy Incentive

If you have two or fewer health risk factors, you automatically receive:

  • $500 deposited directly into your HSA/HRA
  • $250 additional reward if your spouse meets health targets

If your physical reveals three or more health risk factors, complete a health coaching program to earn the full incentive. If you cannot participate in coaching due to a medical reason certified by your doctor, call Navigate at 1.888.596.6750 to request an alternative form. You are still eligible to receive the healthy incentive through a reasonable alternative method approved by Oncor.

Enrolled in Oncor medical coverage?

Incentives are deposited pretax into your HSA or HRA, except for Live Well Challenges.

Track your HSA balance and plan your contributions carefully. If your HSA contributions exceed the annual federal limit, company-paid incentives cannot be deposited and are forfeited. Remember that you can adjust your HSA contributions at any point during the year.

Not enrolled in medical coverage?

Live Well Challenge rewards can be paid, after-tax, in your paycheck.

Turning 65 this year or already 65?

Active employees age 65+ (or turning age 65 during the calendar year) receive rewards in cash in their paycheck.

Track your activity for Live Well Challenges on the go! Start by downloading the Navigate app in the App Store.

Once you download the Navigate app, follow the steps illustrated below.

All employees have access to the Corporate Fitness Center. It’s available to you 24/7 and to your dependents on the weekends, as long as they’re with you. The fitness center costs $15 per month. If you’d prefer to join another fitness center, look for discounts to fitness centers across Texas on the BCBSTX and Magellan Healthcare websites.

Together, you and your spouse can earn up to $2,875 by taking the right steps to improve or maintain your health. Register with Navigate to earn rewards.

Oncor’s Live Well Program, administered by Navigate, provides opportunities to improve and maintain your overall wellbeing. The program includes recipes, fitness videos, health coaching opportunities, and more. You and your spouse (if eligible) can also earn rewards for taking actions to be healthy and live well.

2026 Incentives

Reward Potential(1)

For employees enrolled in medical coverage

Medical Contributions Made by Oncor(2)

You Only

$250

You + Spouse, You + Child(ren), or You + Family

$500

Annual Physical (with Biometric Screening)(2)

Employee

$150

Spouse

$75

Healthy Incentive(2) (Health Coaching Program if you have three or more risk factors)

Employee

$500

Spouse

$250

Amp It Up Challenges(2)

Complete all four challenges/$250 each (employee only)

Maximum: $1,000

For all employees (REGARDLESS of MEDICAL ENROLLMENT)

Live Well Challenges(2)

Earn $100 per incentive (employee only)

Maximum: $400

Employee

$2,300

Employee + Spouse

$2,875

(1) Rewards are deposited into your HSA/HRA, except for Live Well Challenge rewards, which can be added to your paycheck if you’re not enrolled in an Oncor medical option. If you have reached your HSA federal maximum, Oncor cannot deposit the money into your account, and the incentive will be forfeited. It is the employee’s responsibility to monitor HSA limits.
(2) If you are 65 or older, or will turn 65 in this calendar year, your incentives will be paid as taxable cash in your paycheck due to IRS regulations.

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