Abstract: The present disclosure relates to a system for healthcare services having a behavior-based financing framework. The system includes a computer for creating an incentive budget. The system also includes means for acquiring and understanding an individual's health status and an individualized health management map focusing on the individual's modifiable health conditions and lifestyle behaviors determined from the acquired health status and providing means for tracking the individual's progress toward improved health. An incentive program is provided that conforms to the incentive budget and provides incentives for the individual to engage in their health and well-being.

Abstract: The present disclosure relates to systems and methods for identifying at least one health plan option for an individual or employee, where the health plan option(s) identified have been selected based on the unique characteristics and profile of the individual or the unique characteristics and profile of the employee and format selections of the employer. The health plan option(s) identified may also be based on criteria provided by the individual or the employer, such as for instance, the amount of deductible and/or premium the individual is willing to pay, or for example, the health insurers the employer has selected to provide employee group coverage.