Abstract: Apparatus and associated methods relate to generating a purchase data record, selectively redeemable by a user to receive a pre-paid healthcare service, in response to receiving payment at a price based on the service location, and applying the pre-paid amount to the user's health insurance deductible. The payment may be a virtual funds or actual currency payment. The service may be specified based on physician, facility, location, and time, permitting price adjustment based on geographical cost variance. Some implementations may provide a marketplace system configured to permit creation, transfer, redemption, and exchange of virtual funds for pre-paid services and actual currency. The user may receive the prepaid service, based on redeeming the voucher. Various implementations may exchange healthcare bundles, including service and drugs, for a price discounted based on the bundle. A healthcare bundle may be presented in shopping cart format, permitting the user to pre-pay for a customized bundle.