METHOD, SYSTEM, AND INTERFACE FOR SETTING HEALTH INSURANCE PREMIUMS
First Claim
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1. A method for setting members'"'"' premiums in a health insurance plan comprising the steps of:
- determining an annual cost of said health insurance plan;
establishing health programs for said members in said health insurance plan and determining a cost for said health programs;
establishing by data collection and predictive modeling through use of a predictive model a relationship between an assigned financial incentive to a specific health program and the incentive'"'"'s impact on member participation rates and adherence rates for the programs;
allocating some portion of said annual cost of said health plan among its members based on each members'"'"' participation in and adherence to said health programs; and
setting said members'"'"' contributions or premiums based on said allocation.
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Abstract
A method, system, and user interface for adjusting and optimizing health insurance premiums based on an individual'"'"'s participation in health-related programs.
19 Citations
20 Claims
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1. A method for setting members'"'"' premiums in a health insurance plan comprising the steps of:
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determining an annual cost of said health insurance plan; establishing health programs for said members in said health insurance plan and determining a cost for said health programs; establishing by data collection and predictive modeling through use of a predictive model a relationship between an assigned financial incentive to a specific health program and the incentive'"'"'s impact on member participation rates and adherence rates for the programs; allocating some portion of said annual cost of said health plan among its members based on each members'"'"' participation in and adherence to said health programs; and setting said members'"'"' contributions or premiums based on said allocation. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for use in setting member'"'"'s premiums in a health insurance plan for determining an annual cost of said health insurance plan, said system comprising:
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means for establishing health programs for said members in said health insurance plan and determining a cost for said health programs; means for establishing by data collection and predictive modeling through use of a predictive model the relationship between an assigned a financial incentive to a specific health program and the incentive'"'"'s impact on member participation rates and adherence rates for the programs; means for allocating some portion of said annual cost of said health plan among its members based on each members'"'"' participation inland adherence to said health programs; and means for setting said members'"'"' contributions or premiums based on said allocation. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15)
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16. A user interface for use in setting members'"'"' premiums in a health insurance plan comprising display areas allowing users to:
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determine an annual cost of said health insurance plan; establish health programs for said members in said health insurance plan and determine a cost for said health programs; establish by data collection and predictive modeling through use of a predictive model a relationship between an assigned a financial incentive to a specific health program and the incentive'"'"'s impact on member participation rates and adherence rates for the programs; allocate some portion of said annual cost of said health plan among its members based on each members'"'"' participation in and adherence to said health programs; and set said members'"'"' contributions or premiums based on said allocation. - View Dependent Claims (17, 18, 19, 20)
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Specification