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Employee and individual health risk assessments (HRAs), namely, self-reported health questionnaires and a range of measurements through simple blood tests that provide individuals overall screening evaluations of their health risks; Health risk assessments (HRAs) that measure personality traits, motivation to change, and health risk factors affecting wellness, health and productivity with the objective to reduce risk factors and lower the cost of healthcare though health insights and orientation to change at the individual level and improved data for decisions at the organizational level; Employee and individual health risk assessments that identifies personality traits and health risk factors which impact wellness, health and productivity, with the objective to change behavior, resulting in reduced risk factors and lower healthcare costs