1. A method capable of providing a health insurance program, comprising: a) receiving a request from an individual for insurance coverage; b) for a first time period, calculating, with a computer, a first premium for providing insurance coverage to the individual during the first time period based on a first health examination of the individual; c) charging the individual the first premium and providing insurance coverage to the individual during the first time period; d) for a second time period subsequent to the first time period, calculating, with the computer, a second premium for providing insurance coverage to the individual during the second time period based on a second health examination of the individual; e) determining, with the computer, that the second premium is less the first premium; f) charging the individual the first premium and providing insurance to the individual during the second time period; g) depositing the difference between the first premium and the second premium in an account crediting the individual, thereby providing a health maintenance incentive for the individual. h) establishing a predetermined time period after which the individual may elect one or more other insurance coverages comprising; guaranteed issue life insurance, credit life insurance, second to die life insurance, children's life insurance, critical illness insurance, burial insurance, dental insurance, health maintenance organization insurance (HMO's), preferred provider insurance (PPO's), medical savings accounts, catastrophic insurance and annuities. i) calculating, with a computer, a premium for the elected one or more other insurance coverage; and j) linking the elected one or more insurance coverage with the insurance coverage upon payment of the premium for the one or more other insurance coverage.