Method and system for personalized healthcare related expense investment planning

摘要

A method and system for personalized healthcare related expense investment planning includes a process for personalized healthcare related expense investment planning whereby, in one embodiment, a timeframe is defined during which the investor/user wishes to provide funds to cover healthcare expenses. In one embodiment, the user's healthcare services utilization for the defined timeframe is then projected/predicted using a personalized healthcare service utilization model. In one embodiment, the cost of the user's projected healthcare service utilization for the defined timeframe is then calculated/predicted based on the user taking part in one or more defined healthcare programs. In one embodiment, the calculated cost of the user's projected healthcare service utilization for the defined timeframe is then used to select an investment plan and/or strategy to provide healthcare expense funds for the defined timeframe.

主权项

1. A system for personalized healthcare related expense investment planning comprising:
one or more computing processors; one or more memories coupled to the more or more computing processors, the one or more memories having stored therein instructions which when executed by the computing processor perform a process for personalized healthcare related expense investment planning comprising: defining a timeframe during which healthcare services will be paid; obtaining personalized health and healthcare related data for a user including historical healthcare utilization data indicating actual historical utilization of at least one healthcare program associated with the user, at least a portion of which is obtained electronically directly from a database coupled to either of a healthcare service provider or healthcare insurance provider computing system, the personalized health and healthcare related data for the user including specific data regarding specific high-risk sports activities in which the user engages; analyzing the personalized health and healthcare related data for the user to determine predicted healthcare services that the user is likely to utilize during the defined timeframe, the analysis including consideration of one or more potential injuries predicted to occur based on the specific data regarding specific high-risk sports activities in which the user engages; choosing one or more healthcare programs to be utilized by the user during the defined timeframe; determining the user's cost of the predicted healthcare services under the chosen one or more healthcare programs; and developing an investment plan for the user, the investment plan for the user being based, at least in part, on the user's cost of the predicted healthcare services.