Green Mountain State officials have drafted rules that could apply to state-regulated programs that try to help consumers stay healthy and manage chronic health problems.

The Vermont Department of Banking, Insurance, Securities and Health Care Administration has proposed a rule, Health Insurance Programs Promoting Wellness, that would permit health carriers to reward insureds for taking better care of themselves.

Under the terms of the proposed rule, carriers could offer discounts or other rewards of up to 15% for individual policyholders and up to 20% for small group plan members who undergo health risk assessments and participate in the suggested preventive care or chronic condition management programs.

A carrier could require a member who wants the “preferred level of benefits” to complete a new health risk assessment each year.

A health risk assessment should consider an insured’s weight, tobacco use, blood pressure and lipid profile, along with whether the insured has diabetes, according to the rule draft.