Because of COVID-19, there are changes this year to how you can earn the premium credit part of the health plan. All you need to do to earn the premium credit (saving you money on your insurance premium each pay) is complete your Personal Health and Well-being Assessment (PHA). The PHA only takes a few minutes and can be completed at home. Usually, Ohio State requires a biometric screening; but this year, this requirement has been removed. It is always good to “know your numbers” however; so if you do complete a biometric screening, you will earn 3,000 YP4H (Your Plan for Health) points (enough to get you past the first reward tier) and can earn additional points if your numbers are within a healthy range.