Abstract: A computer implemented method for selecting a health plan includes logging into a server comprising a risk evaluation application and starting the risk evaluation application. Upon being prompted by the risk evaluation application selecting a health plan for an individual or for a family. Upon being prompted by the risk evaluation application selecting an amount of upfront claims cost responsibility (CCR) willing to assume. Next, actuating a control for determining health plan premium contribution savings and then determining the health plan premium contribution savings based on the selected health plan and the selected CCR. Finally, displaying the selected CCR and the determined health plan premium contribution savings. The method empowers each user to design a unique health care plan that reflects that user's specific health profile, benefit budget and level of risk tolerance.