Abstract: Methods, systems and apparatus are provided for recommending health insurance plans. Data inputs are received from a graphical user interface. These inputs may include data about location, gender, age, health conditions, prescription drugs and smoking habits. A subset of available health insurance plans is determined. A second database is queried for information about health care events and/or costs of people that match a subset of the user data inputs. Care costs are calculated for each health insurance plan by simulating the health events of the similar people returned from the second database under each health care plan. A total cost of ownership for each health insurance plan is calculated by adding monthly premiums for each health insurance plan to the care costs for that plan. A health insurance plan recommendation is made based at least in part and sometimes exclusively on the total cost of ownership.