Abstract: A system and methods that automates health insurance processes, reduces fraud and abuse in health insurance and brings price transparency to the people. It aligns the interests of all the players involved by creating a website with full price transparency of healthcare costs by provider and communicating that data in time for patients to make informed decisions. Incentivizing methods including bonuses and penalties for physicians and patients are included and the net result is everyone including providers and corporations gains high quality health insurance while saving money.