Abstract: Systems and methods to manage health insurance are described. An individual can submit a request to enroll in a health insurance plan of an insurance provider. The individual can complete a health assessment with a health care provider associated with the insurance provider, and the insurance provider can review results of the health assessment to determine an amount of health care credits to award to the individual. An account servicer can manage a health care credits account associated with the individual. In implementations, the individual can be rewarded with additional health care credits on a periodic or event-driven basis, based on a health of the individual and other factors.