A system and method facilitates an employer to make tax-deferred payments into an employee's account as an incentive to live a healthier lifestyle. The system awards tax-deferred contributions to individuals based on accomplishments in a number of categories. Each category, such as exercise regimen, provides some indication of an individual's health. The system awards points on a predetermined scale for accomplishments in each of these categories. The system gathers data to a central processing location from various sources to calculate of an individual's score. Based on the score, the employer will contribute an amount of money into the individual's tax-deferred account. Thus, employees will have an incentive to improve their health.