Abstract: A system and method for designing, implementing, enrolling and administering insurance plans that are beneficial for the participant, the plan sponsor, and the insurance carrier(s) are described. According to the invention, an insurance plan is analyzed and characterized. This includes an analysis of the eligible population in view of at least one characteristic, and may also include an analysis of the present state of the insurance plan, method input, external input and method output, and may further comprise past behavior, including the present state of the insurance plan, method input, external input, method output, and/or simulations of future behavior regarding present state of the insurance plan, method input, external input and method output. The result of the analysis is used to determine a positive cycle action which is then applied on the insurance plan. Thereafter the impact on the plan is evaluated.